davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Onity Group Inc. (CA)

I bought my home with 15 % down. I paid additional principal payments to get to 22 % equity at 38 months after closing. 

I contacted my lender, PHH to remove the PMI requirement PHH refused to remove PMI and offered the following : I could pay them a fee to " re-appraise '' my house and then they might remove PMI at their discretion. The explanation given that the investors didn't want to. When I pointed out there is zero incentive for investors to remove PMI ever and maybe we should follow the federal threshold instead my request was still rebuffed. 

I do not know if I should pay them the fee and hope they do the correct thing or just continue to pay the unneeded PMI
Consumer complaint received 2023-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (UT)

I have XXXX accounts with synchrony bank. 
XXXX for a sewing machine purchase and XXXX for Sam 's Club. 
in the last month I have tried daily to sign into the website to make a payment. The site continues to say it is having problems when I sign in. I have tried calling the number on both cards and only get a telco intercept with a long and complicated phone tree. Twice in the past week I have attempted to contact through the website by filling out surveys, surveys because there is no e-mail address available. 
In the past I have made a payment through my bank and bill pay. It shows up as having received the payment transfer but does not show up as a payment made and there is a service fee charged for a late payment. 
Payments show as paid only if paid using their website. My web browser is up to date on its operating system. 
In searching the the internet for possible solutions it is noted that there are multiple people who are having the same problem after a certain number of months, and paying additional fees.
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (FL)

They denied me of opportunity to get credit and title 15 subsection title, 1611 faults and misleading deny of my own credit and theyre sharing and reporting bad information about my credit with other bureaus15 USC 6802, 15 USC 6803, 15 USC 6804, and 15 USC 6805
Consumer complaint received 2022-12-09
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Experian credit bureau has not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account XXXX XXXX  XXXX. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2015 Balance : {$1000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2024-04-06
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. (PA)

there are accounts account 's on my credit report that are subject to identity theft. the accounts listed below must be removed immediately. 
name of creditor amounts date opened on report listed. 

XXXX amount owed {$520.00}. 
date opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX. 
amount owed {$290.00}. 
XX/XX/XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION. 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN general to subsection ( c ) any consumer reporting agency may furnish a consumer report un owing circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER gave any consumer. 
reporting agency WRITTEN CONSENT to report anything on my consumer report which XXXX rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Consumer complaint received 2024-01-10
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)

I hope this message finds you well. I am writing to express my concern and submit a complaint to EQUIFAX regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, EQUIFAX will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.
Consumer complaint received 2024-01-10
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)

I was a victim of identity theft and this company is still reporting this fraudulent account on my credit report. This needs to be deleted from my credit report IMMEDIATELY as this is a violation of the FCRA & my consumer rights
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I opened a credit card with Capital one in XXXX. The account shows delinquency that is over seven years that should not appear on my credit report. I also asked that the company provides statements from the beginning of the account, and they have failed to do so. I called on XX/XX/XXXX and spoke with a XXXX in the Special Collections Department and verified that this account was paid and it was still reflecting as open according to her records. She advised that I would not be able to get account information since account opening. I have in the last XXXX years requested that the derogatory information be removed since it has not been verified and validated as accurate. The company has not provided any account history and proof of the delinquent payments. The furnisher and credit reporting bureaus are still reflecting this on my credit report, even though the account is XXXX years old and paid. This is in clear violation of 15 USC1666b, 15 USC 1601, Engelhardt v. Gravens ( mo ) 281 SW 715.719, 1681s-2B of FCRA 15 USC 1681 et seq and Section 623 ( a ) ( 1 ) ( B ).
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have been a customer of Capital One since they took over my ING Direct Savings Account ( Account No. XXXX opened in XXXX ), which was converted by Capital One into a 360 Savings account. I recently learned that back in XXXX, Capital One created a new product called 360 Performance Savings ; however, the only difference between the XXXX products is that the new 360 Performance Savings account pays a much higher APY. Capital One was intentional in excluding 360 Savings accountholders from this products marketing campaign. Due to their willful misconduct, I wasnt aware of this new product that would be much more beneficial to me. Such targeted marketing practices is heinous. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, this situation makes my skin crawl. I cant imagine that Capital Ones legal and compliance departments approved of this approach. Capital One has cheated me out of what I estimate to be thousands of dollars based on the fact that during the timeframe of XXXXtoday, Ive consistently held XXXX XXXXXXXX {$100000.00} in the account. Capital One doesnt even offer the 360 Savings Account anymore, but they intentionally kept the product open for existing customers so that Capital One didnt have to pay out the higher interest rates, resulting in quite the windfall for Capital One. I called Capital One on XX/XX/XXXX to complain and to request a credit to my account in an amount equal to what I would have been earning had Capital One in good faith marketed this product to its current customers. Capital One refused to credit me. They also explained to me that there was in fact one other difference between the two products apparently the 360 Savings account comes with an ATM card, which was a surprise to me, because Capital One never provided me with an ATM card. I immediately opened a high yield savings account with another financial institution and will be closing my Capital One 360 Savings account as soon as the funds have been transferred. I refuse to be a customer of companies with fraudulent business practices and who knowingly and brazenly take advantage of their customers. However, I do expect to be reimbursed for the thousands of dollars that Capital One in effect stole from me. I am asking the OCC and the CFPB as Capital Ones primary and secondary regulator, respectively, to investigate these blatant violations of federal consumer compliance laws and to direct Capital One to credit me. Thank you for your time and I look forward to a swift resolution and credit in an amount equal to what I would have been earning with a 360 Performance Savings account.
Consumer complaint received 2024-04-06
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I am requesting proof of written authorization to administer the ESTATE of XXXX XXXX. I am the True Executor. 
I also want to request a copy of my CONSUMER FILE, not my consumer report, sent to the address listed above immediately. FOI Act 5 U.S.Code 552. Thank you in advance Best, XXXX  : XXXX All Inalienable Rights Reserved
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TX)

Attempted online purchase from the Government of XXXX. Card blocked. Foreign ( Non english speaking ) representatives placed me on hold and then disconnected me 3 times. Only my name was ever asked and account security word. Called back 3 times. Card was blocked - Company states that I have to wait for a letter to arrive by mail to verify my identity as all attempts to verify me have failed. No verification steps were performed nor was I asked any questions. Company flat outright lied. Company refuesed to identify what steps can be taken to unblock the account. I am willing and able to verify any information to unblock the card but they refuse to proceed with a verification process.
Consumer complaint received 2024-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, XXXX and TransUnion violated the law when they allowed information about my private business to be report to my consumer report. 
A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2023-11-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NV)

Upon noticing inaccuracies in my report, I took it upon myself to reach out to the creditor to request validation of the debt, but to my disappointment, they failed to provide any supporting documentation. My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. I do not consent to an electronic communications. I request all responses be in writing throughtheusps I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Consumer complaint received 2020-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

The checking and saving accounts are opened on XX/XX/XXXX with {$500.00} promotion.The bonus posted on XX/XX/XXXX and XX/XX/XXXX. However, the is the withhold for {$60.00} for twice accordingly. On XX/XX/XXXX, I email the banker XXXX, XXXX regarding the potential XXXX form missing that might lead to the withholding. On XX/XX/XXXX, I email the signed XXXX form to him.After that, i called several time to follow up. On XX/XX/XXXX, i was told there should be someone in back-office resolving the issue and I sent the XXXX XXXX form again.Till today XXXX, the two {$60.00} withholding, {$120.00} in total still not come back to the account yet.
Consumer complaint received 2023-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

This is my second 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 alleged fraud or extortion XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Between XXXX I originated XXXX accounts with XXXX XXXX XXXX XXXX XXXX A personal loan and a credit card which was opened separately. Overtime, either XXXX or both of the accounts had changes to the account number, changes to the terms and conditions or some loan modification. As a result, the account history and the amount of payments and interest Ive paid substantial payments without paying in totality has become available. As well as access to previous statements before the account numbers changed. I have noticed that the principal balance has barely changed and it appears most of all the payments made has gone to interest. For the past XXXX years, I havent had any significant reduction in my principal balance. As a result of financial hardship and reduced income I needed assistance with making payments. The first delinquency was reported in XXXX for both the credit card and loan. After 7 years, statue of limitation require negative reporting should be deleted and removed. Also, they have the credit card tradeline for {$19000.00} appearing twice under different account numbers, which is having a double negative impact on my credit. In absence of account history and old statements I have contested the validity of the debt and derogatory information. The credit reporting agencies and XXXX XXXX has failed to rectify the situation and delete derogatory information. Under section 1681s-2B of FCRA 15 USC 1681 et seq and The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, the companies are in violation and having complied to my requests. Also, in recent news reports and class action lawsuit, XXXX XXXX has allegedly discriminated against minority borrowers and neglected to provide fair lending practices and services. I believe I am too a victim of unfair treatment and would like all derogatory credit reporting to be removed and deleted. I have been a member since XXXX, and Ive paid off several loans with XXXX XXXX. I am deeply disappointed at the way theyve treated me as a consumer. Learning that theyve treated other minority consumers unfairly is terrible. Their actions has negatively impacted my financial health and credit score by continuing to report old and unverified information.