davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
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. (FL)

This is XXXX XXXX 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 2023-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to formally dispute and bring to your attention multiple violations of consumer protection laws that have adversely affected my financial well-being and peace of mind. It has come to my knowledge that several creditors have engaged in practices that violate established laws designed to safeguard consumers ' rights and ensure fair financial transactions. 

Unauthorized Inquiries : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Billing Errors and Accounts in Violation : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX These actions have had a significant impact on my life, causing undue stress, XXXX, and financial hardship. [ Share a brief and factual personal story here about how these violations have affected you emotionally and financially. Keep it concise and professional. ] I kindly request your intervention and enforcement of the legal protections afforded to consumers under the relevant laws, including the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Specifically, I urge you to take the necessary steps to ensure that the aforementioned unauthorized inquiries are promptly removed from my credit report and that the billing errors in the identified accounts are rectified in compliance with the applicable laws. 

I appreciate your attention to this matter and request that you communicate with the respective creditors to address these violations and take appropriate corrective actions. Please provide me with updates on the progress and resolution of these issues within a reasonable timeframe. 

Thank you for your dedication to upholding consumer rights and promoting fair and transparent financial practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 


15 U. S. C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-10-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: First Technology Federal Credit Union (WA)

I ordered a Conure ( bird ) on their website XXXX XXXX XXXX  for {$550.00} on XX/XX/2023. There is no credit card payment, just XXXX, XXXX XXXX  was the payment method. I was suspicious when I saw that. But still went ahead and payed on XXXX via my bank. Once I paid, they asked for additional {$200.00} for shipping, which I refused to pay as I already sensed scam, they agreed to ship the bird with delivery date as next day. The next day XX/XX/2023, they say the bird is shipped and are asking {$1000.00} for insurance again on XXXX  or XXXX XXXX, this time from some fake shipping company. I stopped paying {$1000.00} and now I lost all the money with no refund and no bird
Consumer complaint received 2023-12-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (NV)

Mr. Cooper is and has been my loan servicer since they were XXXXXXXX XXXX About 22 years. I made an additional escrow payment on XXXX so the Monthly Mortgage payment amount would not change during an Escrow anyalsis. On XXXX Mr. Cooper performed an escrow anyalsis. On XXXX they sent an escrow Overage/Refund of XXXX and then increased my payment by {$15.00} for the month of XX/XX/. I have never recieved any escrow check from Mr. Cooper as of todays date of XX/XX/. I want these funds put back in my escrow account and my payment to remain the same. This yearly rubberband experience is unproductive to proper loan processing.
Consumer complaint received 2023-12-26
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX To whom it may concern : Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer may have inadvertently given you written, unwritten, verbal and non-verbal, per 15 USC 6802. 

Per 12 CFR 1016.7, states that, A consumer may exercise the right to opt out at any time. 

I am opting out of your reporting services to XXXX, Equifax and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CHARLES SCHWAB CORPORATION, THE (TN)

On XX/XX/2024, using the XXXX XXXX XXXXXXXX XXXX XXXX I submitted the ACH transfer request with the following details : ( XXXX ) From : Charles Schwab Bank Checking Account, ( XXXX ) To : XXXX XXXX Savings Account, ( XXXX ) Amount : {$25000.00}, ( XXXX ) Transfer Option : XXXX business days. 

On XX/XX/2024, amount of {$25000.00} was debited from my Charles Schwab Bank Checking Account. 

After that, the money is still missing. 

On XX/XX/2024, I called XXXX XXXX to figure out where my money is located. The banker on the phone investigated, and they told me that they do not see anything on their side. So, they advised me to call Charles Schwab Bank to resolve the issue. 

On XX/XX/2024, After I talked to XXXX XXXX, I called to Charles Schwab Bank to request an investigation. The Charles Schwab Bank representative told me that the money was debited and delivered to XXXX XXXX. They also mentioned that there is no returned transaction, so they claims that it needs to be resolved with XXXX XXXX XXXX. They gave me the ACH Trace ID for reference. 

On XX/XX/2024, I visited a local XXXX XXXX branch and requested help with the information I have. I showed them the ACH Trace ID and Online Transfer Confirmation Email. The banker called their back end system person, and they figured out that the transaction was cancelled for somehow on the same day I requested transaction ( XX/XX/2024 ). The reason for cancellation is unknown. 

If the transaction was cancelled, then it should have been returned to Charles Schwab Bank Checking Account by now. The Charles Schwab Bank claims that the transaction was not returned. So, my money is still missing.
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (GA)

Here is a suggested description for your XXXX complaint against American Express : -- - **Complaint Description : ** I am writing to file a complaint against American Express on behalf of my company, XXXX XXXX We applied for a line of credit, and American Express responded by stating that we had an account with an outstanding or overdue balance. I promptly rejected this claim and contacted them to investigate further. 

Following their investigation, American Express found that there was no outstanding account with a balance, which was initially the reason for declining our line of credit application. I patiently waited for them to complete additional research, anticipating that they would issue us the line of credit. However, they never got back to us regarding the matter. 

I subsequently called them again to revisit the issue and request further investigation to secure a line of credit. Disappointingly, American Express reiterated the same incorrect statement, asserting that there was an outstanding balance on one of our accounts, which does not exist. 

As a small XXXXowned business, we are seeking an appropriate resolution and a fair opportunity to obtain a line of credit. The repeated erroneous claims and lack of resolution have been frustrating and detrimental to our business. 

I would appreciate your assistance in resolving this issue and ensuring that American Express provides a fair and accurate review of our application. 

Thank you for your attention to this matter. 

-- -
Consumer complaint received 2023-05-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Acra Intermediate Holdings, LLC (IL)

On XX/XX/2023, we closed on a property purchase using an 80 % Loan to Cost loan from ACRA Lending located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. The servicer is Citadel Servicing Corporation XXXX Acra Lending, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

Our lender communicated a specific rate of 9.99 % through out the negotiation process, upon which we based the transaction and the purchase. We inquired several times and were assured of the closing terms as agreed. However, at the closing table, the documents reflected an 11.25 % rate, very different from what had been represented.t o us all along. We requested clarification and have been unable to obtain a satisfactory remedy from the lender. Their response was that there was nothing they could do about the change, that while they did not communicate the change in the rate and led us to believe our original rate was unchanged, they were not obligated to provide disclosure. 

As customers, we believe we were adversely disadvantaged by the lenders unfair change to the rate as previously agreed to. In addition, their slowness and incompleteness of communication had a real impact on the transaction including closing delays and timeline extended, leading to loss of revenue on the lease. Our resulting loan settlement required significantly more cash to close, there were multiple appraisal revaluations, unclear communication of certain terms ( such as the prepayment penalty ) and most impactful of all, the change in the rate I am filing this CFPB complaint unsuccessfully resolving the matter with the lender.
Consumer complaint received 2017-12-18
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. (TX)

I am writing on behalf of my minor child she is XXXX i received her credit report from all three bureaus and everything is wrong from job, all the addresses, year of birth and even accounts i am enclosing her birth certificate, social and my id and bill only address she lived was XXXX XXXX XXXX XXXX tx XXXX
Consumer complaint received 2023-05-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have contacted the company directly on many occasions over the phone. I keep being told that they will not accept payment on my debt and that my debt has been discharged. Ive been told several times and I even sent the credit bureaus a credit report challenge letter to look into the matter. 

I am trying to repair my credit and the company will not allow me to make a payment to settle the account and they will not remove the negative mark on my report either.
Consumer complaint received 2023-05-05
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Credit Card Open date XX/XX/2021 Account number XXXX Amount {$1000.00} high balance of {$1200.00} Contacted Capital One in regards to this account that is reported in my XXXX XXXX and was inform that the account in question was not mine. However, they did nothing to try to assist me in removing it out my credit. I can not apply for a mortgage loan due to their negligence of reporting inaccurate information in my credit which cause my credit drop significantly. This home will not stay in the market for long. 

XXXX accepted information from companies without asking the companies to confirm the validity of the debt to the consumer. Neither the accounts, addresses, inquiries that were placed in my credit was actually mine. For they negligence my credit has suffered significantly. Their negligence has caused me not to be able to meet the credit criteria/standard for a mortgage loan that I was negotiating the price of a home.
Consumer complaint received 2023-12-26
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. (GA)

Pursuant to the Fair Credit Reporting Act, the list of accounts below have violated my protected consumer rights to privacy and confidentiality under 15 USC 1581 ; XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) Aperson shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Pursuant to the Fair Credit Reporting Act, the list of accounts below have violated my protected consumer rights to privacy and confidentiality under 15 USC 1581 ; XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) Aperson shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-05
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. (IL)

I respectfully request your prompt attention to the following inaccurate information on my credit report. The following item is inaccurate negatively affecting my credit please re-investigate this matter and delete end or corrected speeded item. I respectfully request that you provide me with proof of the disputed item specifically any contact note court document or any instrument be having my signature. Failing that this item must be deleted.
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: EQUIFAX, INC. (NY)

I'm submittng this complaint to formally seek relevant advice and assistance to ensure that the data reported on my credit file is completely accurate. I recently obtained a copy of my credit report and believe that there's an account that is confusing and lacking in detail. Therefore, I kindly request an investigatigation of this account : EQUIFAX : XXXX XXXX XXXX Balance : {$7700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}. There are multiple inaccuracies associated with this account. The balance is incorrect, and there are inaccuracies regarding late payments. I have never been late with my payments. In accordance with the Fair Credit Reporting Act, I will need to request evidence of the last payment and payment history. I kindly ask for your prompt verification and correction of this account.
Consumer complaint received 2023-05-05
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: OneMain Finance Corporation (IL)

I respectfully request your prompt attention to the following inaccurate information on my credit report. The following item is inaccurate negatively affecting my credit please re-investigate this matter and delete end or corrected speeded item. I respectfully request that you provide me with proof of the disputed item specifically any contact note court document or any instrument be having my signature. Failing that this item must be deleted.
Consumer complaint received 2023-09-06
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 ( a ) ( 4 ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( b ) ( 2 ) ( A ) states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-06-27
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: Upgrade, Inc. (FL)

I filed a dispute with Upgrade on XX/XX/year> regarding Transaction Post Date Merchant Transaction Amount* Disputed Amount** XX/XX/year>XXXX XXXX XXXX  {$2900.00} {$2900.00} On today, XX/XX/year>, I received notice XXXX XXXX, Thank you for choosing Upgrade! 

We have received your submitted dispute. We are contacting you to provide a status update on your recent dispute for the following transaction ( s ) : Transaction Post Date Merchant Amount Dispute Status XX/XX/year>XXXX XXXX XXXX {$2900.00} Declined This email is to inform you that we have resolved your dispute. Unfortunately, we had to decline the dispute for the following reason ( XXXX ) : We are unable to override the merchant 's refund policy, and have no further recourse to pursue this matter with merchant. 

I never received what I am being charged for. 

Upgrade is not a good company. They never allowed me rebut what was said by the merchant. Moreover, was verbally told by Upgrade employees that the only people that are declined is if the dispute is not responded to. I supplied evidence that the merchant was processing my refund however to date the merchant has not refunded my money. 

I have no idea who XXXX XXXX is who processed my payment and XXXX sent me the receipt however the company originally associated with that website no longer exists. Please note that others in the program were able to successfully get a permanent credit from their credit card company for the same issue, but Upgrade failed me. 
XXXX  the creator XXXX XXXX and the entire program is fraud. 

Credit card company is Upgrade ( XXXX ) XXXX Upgrade is located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, California XXXX, XXXX.
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MT)

Bank of America card was opened under my name at a different address and charged XXXX. I did not open the card and I do not live or have ever traveled to the area where the credit card was opened or used. I also have never lived in the address that it was opened. Received the credit card in the mail, which is how I noticed there was fraud occurring. The credit card I received was alaska air, so they have apparently opened many other credit cards under my name.
Consumer complaint received 2017-12-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: E*TRADE BANK (PA)

I Disputed with XXXX in Reports # : XXXX on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. So I Called XXXX  again about why my dispute was not investigated correctly on XXXX/XXXX/XXXX at XXXX. Spoke with XXXX. She stated shes putting in another direct dispute and it could take up to 60 Days. Because I sent in proof of payment from a letter from E*Trade showing they confirmed my payment on XXXX/XXXX/XXXX. Also that the payment was taken out from my XXXX XXXX Checking Account with my online dispute from Reports # : XXXX on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. 
It still wasnt removed as a delinquency. 
As of when I received my updated experian credit report they sent me on XXXX/XXXX/XXXX. This has been hurting my credit since XXXX. I am fully XXXX and to sick anymore to fight these companies. Which E*Trades Number on my Credit Report is disconnected. 
Please please help me fix this. Im in dispert need of your help. Also with other problems that they wouldnt fix as well on my 3 Credit Reports that I 've been trying for about 2 years now. But it becomes to overwhelming for me because Im very sick. 
Thank You and XXXX Bless, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX H : XXXX C : XXXX XXXXXXXXXXXX I have proof of all my payments. 
Please just tell me where to forward them.