davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I sent a letter out on XX/XX/2023 to XXXX XXXX And Equifax. Here is my tracking numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, however it has been more than 30 days and the credit bureaus have failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. code 1681i-Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the day the agency receives the notice of the dispute from the consumer or reseller
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have had this car loan since XX/XX/2020 and have paid every single monthly payment to XXXX XXXX XXXX. 
XXXX XXXX XXXX refuses to report to all 3 credit bureaus my monthly payments, see attached and is in violation of FCRA.

They do not care to be legally complaint is a FACT.
Consumer complaint received 2023-04-25
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: EQUIFAX, INC. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Upon reviewing my credit report, I have discovered that numerous transactions have been inaccurately reported. Pursuant to Title 15 U.S.C 1681a ( 2 ) ( A ) ( i ), a report should exclude information solely related to transactions or experiences between the consumer and the reporting entity. Unfortunately, the inclusion of such transactions has resulted in significant financial hardship and has had adverse effects on both my mental and financial well-being.

I would like to draw attention to Title 15 U.S.C 1681n, specifically addressing Civil Liability for willful noncompliance. According to subsection ( a ) ( A ), I am entitled to seek compensation for any actual damages sustained due to the failure to comply, or damages ranging from not less than {$100.00} to not more than {$1000.00}. 

Below is a list of accounts displaying inaccurate transaction reporting : XXXX. XXXX : XXXX past due or late transactions reported XXXX. XXXX : XXXX past due or late transactions reported XXXXXXXX XXXX XXXXXXXX : XXXX past due or late transactions reported XXXX. XXXX XXXX : XXXX past due or late transactions reported XXXX. XXXX : XXXX past due or late transactions reported XXXX. XXXX XXXX XXXX XXXX : XXXX past due or late transactions reported XXXX. XXXX XXXXXXXX XXXX : XXXX past due or late transactions reported XXXX. XXXX : XXXX past due or late transactions reported This inaccurate reporting not only jeopardizes my financial standing but also raises concerns about the compliance of these entities with the aforementioned legal provisions. I am prepared to pursue appropriate legal action to rectify this situation and seek the compensation entitled under the law.
Consumer complaint received 2023-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (CA)

I logged into my account and attempted to use the XXXX feature to send money. All of a sudden the app kicks me offline and says my account is temporarily XXXX. I called the banks customer service and inquired about the issue. The customer support was very rude and not of any help. They refused to tell me the reason my account was XXXX from online access and stated I must wait XXXX hours. They completely closed off any visibility of my account without letting me know.
Consumer complaint received 2018-10-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: 1 STOP MONEY CENTERS, LLC (AZ)

Afternoon, In XX/XX/XXXX I had o resign my agreement over to an installment loan of 24 months. The previous loan was interest only. So they paid off the previous loan and rolled over the balance to the new balance and started a new contract. The balance would be {$1000.00}. XXXX month installment loans at {$150.00} was going to be the payments with roughly around $ XXXX {$20.00} applied to principal. the remaining {$130.00} would be interest. In total the payments would have been {$3600.00} once the {$1000.00} was paid off. The total amount of payments I made ( 7 ) {$1000.00} ended on XX/XX/XXXX. I could no longer afford the 179 % interest rate. I had started a family and I was paying for childcare now. I asked the representative at the time named XXXX was there anything I could do to settle and was told no. I just recently got a judgment being sued for over {$3900.00}. I have 20 days to respond and I have nothing I could pay with the 7 total payments I have made that was over {$800.00} in interest. I need some help as to what I can do. I have a family and can not afford to be paying such a high dollar amount if sued. Can you let me know what my options are? 1 stop money centers LLC ( XXXX XXXX XXXX is the company and contact information. This was a registration loan they said. Since payday loans were outlawed
Consumer complaint received 2023-08-31
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. (NY)

This is my XXXX 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 Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2023-12-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (NC)

Despite an overage to my escrow account balance my mortgage company insists that my monthly mortgage payment must be increased to satisfy annual payments for mortgage insurance and property tax. In XXXX my mortgage payment increased from XXXX to XXXX. The mortgage lender, upon my inquiry, explained the aforementioned increase was a result of an increased escrow balance requirement due to increasing mortgage insurance and property tax. In an effort to avoid future negative escrow balance issues, I made an additional surplus payment causing an overage to my escrow balance. This XX/XX/XXXX I was informed by the mortgage lender that my mortgage payment would increase due to an increased escrow balance requirement. Despite my current escrow balance overage, the lender issued a check, to me, for the overage and increased my monthly mortgage payment for the XXXX calendar year to offset the increased escrow balance requirement resulting from increases to my mortgage insurance and property tax. I was able to make contact with the escalation department representative, XXXX, who returned the overage funds to the escrow account at my request, but informed me that this action would have no impact on the pending increased monthly payment ; additionally she informed me that any future increase to my property tax and/or mortgage insurance would cause an increase to the escrow balance requirement resulting in an increase to my monthly mortgage payment throughout the life of the loan.
Consumer complaint received 2024-02-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CreditNinja Lending, LLC (IN)

The orginal company Credit Ninja offered me an unreasonable, preditoary, and manipulative loan knowing I would not be able to pay it off, they sold the loan to XXXX XXXX  reasearch and then to the current debt owner XXXX XXXX XXXX XXXX. I believe they are all participating in loan sharking.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter to the XXXX Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX : {$2300.00}.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2020-07-27
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital one Bank Issued a check for $ XXXX to XXXX XXXX XXXX   from my account on XX/XX/XXXX based on the old/invalid Indemnification letter dated ( XX/XX/XXXX ). 
They have neither took my approval nor informed me about the transaction and after week I noticed when I was trying to pay Bill Pay.  I got panicked by seeing the transfer out of my account with $ XXXX ( As I did not do any transfer and the online transaction says transfer out ). They sent the funds ( cashier 's check ) to XXXX XXXX in regular mail without any tracking details and XXXX XXXX is saying that they have not received the funds. 

Due to lack of the funds I cancelled the commercial property purchase ( I got the approval from seller ). This is big loss for me and after calling many times to both banks they are unable to fix the problem.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I want to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered accounts that do not belong to me and are results of identity theft. These fraudulent accounts have already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. I contacted the companies associated with these accounts via phone call, and they have confirmed that the accounts were fraudulent and have removed them from their records. Despite this, the accounts remain on my credit report with your bureau. The presence of these fraudulent accounts negatively impacts my credit history and could have serious consequences for my financial future. Please DELETE the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2023-08-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I sent a letter out on XX/XX/2023 to Experian XXXX And XXXX. Here is my tracking numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, however it has been more than 30 days and the credit bureaus have failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. code 1681i-Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the day the agency receives the notice of the dispute from the consumer or reseller
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected on my current capitol one card account number beginning with XXXX.
Consumer complaint received 2023-12-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (GA)

Lowering credit limit to balance of card, also withdrawing any cash advance limit. 

This giving Citi bank a chance of doubling the interest rate and possible over the limit fees once interest charges post to account monthly. 

Inability to pay off debt in a timely manner, and not accrue additional charges is abuse to the consumer!!!!! 

Restrictions and guidelines should be enforced to limit the abuse for consumers that use credit cards.
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America claim they don't have that information to give me even though I showed them ID my corporation information my certificate my corporation and everything they needed but they did not steal provided me with the information and denied my request for conversation even though they have and this has been going on for the last year but I've had account issues for the last XXXX years
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CCS Financial Services, Inc. (MI)

I wrote CCS COLLECTIONS requesting validation of this alleged debt on ( XX/XX/2023 ) As of today, the company only response was debt was verified. It has been 60 days. This company have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 5. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 

6. What is your authorization of law for your collection of information? 

7. What is your authorization of law for you collection of this alleged debt? 

8. Please send evidence your authorization to do business or operate in the state of ( Michigan ) 9. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. 

Best Regards, XXXX XXXX
Consumer complaint received 2023-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (PA)

My mortgage was sold to Mr. Cooper as of the XXXX of this XXXX. Mr. Cooper didn't have the loan set up until the XXXX. I have had nothing but problems from this company. I needed more information about paying on line with them because they push check paying by mail. I won't pay by mail. I had problems with this method before. It is easy to say that the check didn't get there on time and get those penalty funds build up. They also say they offer pay by phone and their website. Their website is a nightmare. It constantly has pop ups for new mortgages and loans which are full page ads. Yet when I try to do anything with my loan there is a banner on the left hand side of the screen blocking that side. I have tried every way to remove this banner and can't. I can't read what is behind it. I don't want to be auto pay, I don't want another loan or anything else I can't see they want me to agree on. I am not clicking on something I can't fully read on their website. I want to know about going paperless, what their provisions are for their grace period is and about their other procedures. The welcome letter I received from Mr Cooper to introduced themselves was only generalized .... don't worry we are a good company... nothing will change. I have tried numerous times to get a live chat but no one is ever available. The automated chat never knows what you are want and always winds up asking for you to enter your email and they will put you in line for a live chat agent. I have never dealt with a company that puts you in an email line to make contact with their customer services. This is substandard customer communication. I NEVER received any appointments in follow up email. I have tried going to their XXXX page but they have all commenting locked down. Messaging them on XXXX gets no reply. I have repeatedly called 3 different phone numbers given out by Mr Cooper, XXXX, XXXX, and their Executive Customer Service Team. All automated with limited selections to chose from. If you ask for customer service the automated system will say I understand you want customer service. The service then says it will take you there but it just takes you to it repeating another limited selection of choices. It always ends with them saying goodbye and hanging up on you. The Executive number is different because the automated system is a female voice that hangs up on you. I had no say and have no choice but to be stuck with derelict Mr. Cooper. I found out their whole system was attacked by ransomware a month ago. This also shows how much this company cares about it's consumers by not having protection. I would like to talk to a real customer service rep and be able to read the screen on there website. This company has shown nothing but unacceptable service to me. And I haven't made my first payment with Mr Cooper yet.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I had made a dispute on XX/XX/XXXX due to XXXX XXXX  saying my XXXX XXXX XXXXXXXX XXXX XXXX increased balance by {$150.00} when it didnt. It too XXXX point off my score. Then today I logged in and I saw that my credit card was deleted and I lost an additional XXXX points off my credit score. A score which I have worked very hard for.

I am very disappointed with the results and I am hoping that I get my full XXXX points back into my credit score since this is an issue/mistake made by XXXX XXXX from Transunion Report . I would also like my credit card to be added on to my account for XXXX XXXX without losing anymore points. 
Here is the file number for the dispute XXXX
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

XXXX XXXXXXXX sold my private source data information to XXXX XXXX  without authorization or consent ti release consumer private information. A cease and desist was sent out to XXXX  as well as a request for a bill of particulars, consent to furnish private information from a third party, full account statements showing both sides of the ledger, XXXX for the assumed debt and none of this information was provided. I have filed a fraud complain with the FTC FOR SECURITY FRAUD AS WELL AS REPORTING THIS COMPANY FOR TAX EVASION