davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-19
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. (TX)

For over a year, Transunion has not given me access to my credit report online ; they sent me a letter saying they do not understand what I am requesting. I AM REQUESTING ONLINE ACCESS OR TRYING TO FREEZE MY CREDIT REPORT. I KEEP GETTING THE SAME MESSAGE. We are having technical difficulties. We appreciate your patience while we resolve this issue. 
THIS HAS BEEN THE SAME ISSUE FOR OVER A YEAR AND I CAN NOT KEEP CALLING A REP ASKING WHY, AND THEY DO NOT HAVE AN ANSWER.
Consumer complaint received 2023-09-27
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)

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 customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-04-24
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: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-04-24
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: EQUIFAX, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

On XX/XX/18, I checked my credit score with Experian ( as I do daily with every bureau ) and noticed that it had dropped by 15 points. One of the negative factors displayed was a recent missed payment of '1 month ago ''. 

On XX/XX/18 I called the Experian Dispute center to question the information because my report does not show a missed payment since XX/XX/2018. The agent informed me that in XX/XX/2018, when I paid the full balance of a closed XXXX XXXX ( XXXX ) account ( over {$6500.00} ), it was reported as a 'paid, charge off ' and that the " credit reporting system automatically counts that as a late payment ''. I expressed my dissatisfaction and concern with that answer and the agent advised me to start a dispute with XXXX, which she initiated on the phone for me. 

On XX/XX/18, I received a notification that the dispute was settled, so I logged into check my score and saw that it had dropped another 13 points. I saw that now one of the negative factors said that I have a recent missed payment of " 0 month '', or as of the day the dispute was settled and the account was updated. 

On XX/XX/18, I first called XXXX to see if they could change the charge off status of my XXXX payment, and they informed me that they could not. I then called the Experian Dispute Center and explained to the agent how it is both unfair and inaccurate that now that the XXXX account has an update of XX/XX/2018, their algorithm thinks a missed payment was reported on that date, and my score suffers the consequences. The agent did not offer any assistance other than sending me a copy of my report, which I already have. 

My issue is with Experian and their credit reporting algorithm. My FICO score with Experian is 82 points lower than my XXXX score and 54 points lower than XXXX. This has been consistent for several months now. There is clearly a discrepancy with their system and I, a paid customer, am suffering the consequences. Relying on and blaming an algorithm, as the agent did, is an insufficient and, frankly, cowardly way to handle customers. Unfortunately, I will not cancel my membership because I have to know what my Experian score it because some credit companies only use that score to determine eligibility. This is a unfair and unfortunate trap.
Consumer complaint received 2023-06-20
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

XXXX rocket mortgage verification of equity for new low loan for usesag home purchase or extended. XXXX I called for low monthly payment under mortgage payment actively. Refused to start application,XXXX man said no equity dollar amount. I tried to inquire assistant from VA benefits certificate of eligibility he said XXXX for property value then for late mortgage he said hard no. I didn't understand what he was talking about my question was not answered and I apologized then disconnected.
Consumer complaint received 2023-05-04
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. (MI)

In accordance with Fair Credit Reporting Act XXXX Account # XXXX. XXXX XXXX XXXX XXXX XXXX  Charge-Off, 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.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I am formally demanding for the LAST time that the proper update be made to this account on ALL consumer reporting agencies as PAID IN FULL AND NEVER LATE. XXXX XXXX XXXX XXXX XXXX is insured by the XXXX XXXX XXXX XXXX ( XXXX ) and ALL accounts are backed up to {$250000.00}. Furthermore, this account is listed as a CHARGE OFF which is a certificate of indebtedness and is actually considered an INCOME per IRS publication XXXX XXXX XXXXIRS website : Canceled debt. If the abandoned property secures a debt for which you are personally liable and the debt is canceled, you will realize ordinary income equal to the canceled debt. This income is separate from any amount realized from abandonment of the property. You must report this income on your return unless one of the exceptions or exclusions described in XXXX XXXX  applies. **** During dispute of this debt, I was not given proper validation even after contacting the furnisher on multiple attempts. My consumer reports NEVER showed the account was in dispute or removed within the proper time frame, even after all documentation was sent to proper parties. 

Violations listed under the FDCPA and FCRA : 15 U.S. Code 1681c-2 ( a ) 15 U.S. Code 1681c-2 ( b ) 15 U.S. Code 1681e ( b ) 15 U.S. Code 1692e ( 2 ) ( A ) 15 U.S. Code 1692j ( a ) 15 U.S. Code 1692d ( 1 ) 15 U.S. Code 1692b ( 2 ) 15 U.S. Code 1666d ( c ) 15 U.S. Code 1681 ( h ) ( d ) 15 U.S. Code 1681m ( a ) ( 4 ) ( b ) 15 U.S. Code 1681m ( b ) ( ( 2 ) ( c ) ( ii ) 15 U.S. Code 1681m ( d ) ( 1 ) ( d ) 15 U.S. Code 1681m ( d ) ( 4 ) 15 U.S. Code 1681m ( e ) ( 1 ) 15 U.S. Code 1681m ( e ) ( 2 ) ( b ) 15 U.S. Code 1681m ( e ) ( 4 ) ( ii ) 15 U.S. Code 1681m ( f ) ( 1 ) 15 U.S. Code 1692g If the matter is not solved within 5 business days I will be filing arbitration/small claims court for all parties involved.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-03
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On or about XX/XX/2022, i filied a dispute regarding atm unauthorized transactions, that I wasnt aware of, doing the the time of the transaction, i was quarantine cause I was expose to XXXX, so I wasnt aware of these transactions been done, till i log in my online Acct, and notice the Atm Transaction, that I never Consent of them nor did I did them, they were unauthorized atm transactions that i wasnt aware, I wasnt aware of my card been missing til i was gone use it, thats when i notice it was missing, my only mistake was that i wrote the pin in very small numbers behind my card, my card another item were missing, the thing is that im not sure were did i lose them, cause i was sick XXXX weeks til i notice atm transaction on my acct that i wasnt aware, i try explaining it to XXXX XXXX XXXXXXXX prepaid..
Consumer complaint received 2024-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

Around XX/XX/XXXX I called Mohela to ask about paying ahead on my student loans, I was told that any amount over what was due would be put towards future payments and then I would be " paid ahead '' and wouldn't owe money until some future date. In XX/XX/XXXX ( around XX/XX/XXXX, my due date ) I made a payment of {$2500.00}, this would pay approximately 12 months ahead ( monthly payment due is {$190.00} ). However, Mohela failed to disburse the payment evenly to all loans, leaving me with a payment of {$84.00}. When I called on XX/XX/XXXX to ask why I still owed money despite paying ahead, I was told that if I made the payment {$84.00}, I would be paid ahead until XX/XX/XXXX. I asked for this information in writing and said it would take about XXXX calendar days ( 5-7 business days ). Today, XX/XX/XXXX I called to ask the status of the letter I requested and was told that this was cancelled ( by Mohela ). Upon further discussion with the customer service rep ( XXXX ) I was told I would not be paid ahead until I paid {$84.00} every month until XX/XX/XXXX. This information contradicts previous statements from Mohela CSRs. I just want clear and concise information from Mohela and to be paid ahead ( mostly so I don't have to deal with this XXXX awful company but once a year ).
Consumer complaint received 2023-04-20
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: EQUIFAX, INC. (KS)

n accordance with the Fair Credit Reporting Act 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 2023-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On XX/XX/2023 I made a purchase on line bestbuy for {$1300.00} on XX/XX/2023 I cancelled my order online on XX/XX/2023 I filled a dispute with my bank on XX/XX/2023 bestbuy refunded my account on XX/XX/2023 for {$1300.00} and on XX/XX/2023 Citi bank had a credit adjustment for {$1300.00} on XX/XX/2023 Citi bank withdraw {$1300.00} back to bestbuy cause they said I received two deposits of {$1300.00} XX/XX/2023 refund of {$1300.00} XX/XX/2023 adjustment of {$1300.00} Total deposit {$2600.00} on XX/XX/2023 Citi bank withdraw {$1300.00} back to best so I should have had a balance of {$1300.00} Citi bank now says my account is overdrawn $ XXXX because Citi bank says I received two deposits of {$1300.00} one deposit from my bank and the other deposit {$1300.00} from bestbuy Citi bank them withdraw {$1300.00} back to bestbuy wich should have left me with a balance of {$1300.00} how did it put me at a negative balance of $ XXXX on my account bestbuy with draw my account twice for {$1300.00} bestbuy charged my account twice for total {$2600.00} they took back my refund of {$1300.00} on the XX/XX/2023 and on XX/XX/2023 they withdraw {$1300.00} wheres my purchase refund of {$1300.00} how did I end up with a negative balance of $ XXXX on my account Im missing my purchase refund of {$1300.00} and the amount of $ XXXX thats overdrawn on my account my total balance available should be {$2100.00} should be my available balance I should have {$2100.00} available instead Im overdrawn $ XXXX thats not correct. Thats a complete error of transactions
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (HI)

I have disputed the late payments on this XXXX XXXX XXXX  account for months. XXXX  and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2022-10-25
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. (FL)

My name is XXXX XXXX XXXX, I Consumer, and a natural person who is aware of all rights that I have, which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the FCRA 15 USC 1681, everything must be 100 % accurate. 

Can you please investigate my consumer report and ensure that everything is 100 % accurate? I have a list of accounts below : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3.00} {$0.00} XXXX. FXXXX XXXX XXXX XXXXXXXX {$270.00} Inquiries : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX 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. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

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- @ ( A ) ( 1 ) A person 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Respectively, can you please provide /send a copy of my investigation? 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-04-24
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: EQUIFAX, INC. (MI)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-02-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCM Finance LLC (MS)

CCM FINANCE LLC Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/2022 Original balance {$22000.00} Account info Account number XXXX Open/closed Closed Date opened This company threatened me take action n sold the car no longer debt of mines remove immediately they didnt not solved issue last time they sent me to numerous wrong ppl n hung up
Consumer complaint received 2024-03-22
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: MORGAN STANLEY & CO. LLC (FL)

Around XX/XX/XXXX i communicated with Morgan Stanlay shareworks platform regarding my stocks sold in 2023 for my taxes, i sold stocks 3 times and in my 1099 was showing up an amount higher on each transaction for example it was saying XXXX usd and i received XXXX usd etc. So i told them that they needed to provide me with an updated 1099-b because it wasnt matching the amount of money that i received on my bank account and they also have that amount on the activities so it was just a mismatch on the 1099-b i keep calling them every week and nothing happens so im almost late to file my taxes, i have my w2 and everything ready just waiting for them to file taxes. During the process with a CS person we realized based on the exchangerates.org.uk they used the wrong exchange rate, exchange rate was XXXX and XXXX basically during the whole month of XXXX for example and they used XXXX like that for all my transactions they are using the wrong exchange rates and on top of that on the sell to cover transactions to keep it on their nominee account it doesnt even show the exchange rate used, so they are lacking a lot of transparency, i asked to file a complaint and they didnt acknowledged it, they closed my complaint the XXXX person told me because it was related to tax team so complaint team disregarded my complaint, so its been really frustrating and I cant anymore, they are not following the regulators rule, they dont care about complaints or responses, if i file my taxes or not and they are not even paying me what they owe me! I want them to Transfer me the money im being owed due the wrong exchange rates conversion used and a fixed 1099-b so i can file my taxes and i have just 3 weeks for it, so i need it done NOW, they have been on my case since XX/XX/XXXX so basically 2 months and its unacceptable, they provided a horrible service and customer experience so i want my money, my 1099-b and file my taxes without getting a penalty fee
Consumer complaint received 2023-04-24
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. (FL)

I have attached a a letter from United States bankruptcy Court stating they do not give out info to anyone to verify a bankruptcy and for that reason alone the bankruptcy reported to all three of my credit bureaus needs to be deleted
Consumer complaint received 2018-10-27
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: EQUIFAX, INC. (GA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, CFPB please remove the accounts asap XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX XXXX
Consumer complaint received 2024-02-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Idaho Housing And Finance Association (SD)

In XX/XX/2023 I contacted my mortgage company and requested a loan modification. In XXXX I received a client action plan which I signed and sent back. The action plan was dated XX/XX/2023. And stated that I needed to send a payment of XXXX XXXX of 2023. I mailed a pre authorized check with that amount. Mid XXXX I was served with papers for foreclosure. I spoke to my loan officer on XX/XX/XXXX. She said the loan modification was not approved and was sent to me instead of a different lender. Although it had my loan number and my information on it. She said she was going to request a partial claim to the loss mitigation department and to call the following week. I received a letter from that department dated XX/XX/XXXX, the day before I even spoke to her, and the envelope was postmarked XX/XX/XXXX. Which makes no sense. I spoke to her again XX/XX/XXXX and was told I dont qualify for a modification because the payment would be to high, and then sent me an email the next day my option is a reimbursement of the loan and I have to pay {$27000.00} in 2 weeks.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (MA)

Reported XXXX inquiries not made by me XXXX XXXX XXXX XXXX XXXX They are not tied to any cards of mine I tried to dispute on all three bureaus Also was part of a breach