davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CO)

I want to apply for mortgage forbearance due to unemployment from COVID-19. The company SunTrust allows forbearance but a lump sum payment is due at the end of the forbearance period. This is silly, If I had the $ to pay a lump sum I would just continue to make payments. Where is an unemployed worker suppose to get a lump sum? Unemployment benefits are significantly delayed and are only a fraction of my normal payroll. 

This is predatory lending because they say we will see if you qualify for a re-finance afterwords. Really, another loan application with all the closing costs associated with that. This is not fair or should be illegal if the US govt. is going to help the mortgage companies to get through the forbearance period.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Transunion removed the original account which wasnt mine and replaced it with a collection account that has a payment date that didnt match what the original creditor stated. XXXX  XXXX was removed lvnv funding remained
Consumer complaint received 2023-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/XXXX my account was charged two fees, {$40.00} and {$18.00} even though I did not do anything to be assessed any fees. Please reverse these fees. I opened this account under a promotion for a {$1000.00} bonus and I need to make sure this error does not affect me receiving the bonus. Please fix and address this. Thank you.
Consumer complaint received 2023-08-09
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$53000.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$13.00}. The original creditor is XXXX XXXX XXXX  XXXX 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$350.00}. 

I could not qualify for a home equity loan due to the fact these accounts are negatively affecting me.
Consumer complaint received 2024-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: ARVEST BANK GROUP, INC. (OK)

I tried to deposit a check for {$900.00} the agent came back and said we the bank can not deposit your check and told me account was set to close XX/XX/XXXX give me my check back. 
I also mailed a registered security to security transfer agent instructing the agent to wire my certificate of indebtedness to my TREASURY DIRECT ACCOUNT with the proper stamp and endorsement. That item was mailed registered mail XX/XX/XXXX. It's not reflecting in my account.
Consumer complaint received 2023-10-18
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. (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 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 2020-04-13
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. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX {$1100.00} XXXX  XXXX {$680.00} XXXX  XXXX {$10000.00}
Consumer complaint received 2023-01-29
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. (TX)

On XX/XX/2023 at XXXX XXXX, an agreement was made with XXXX XXXX, a compliance manager for XXXX XXXX XXXX XXXX, that states upon receiving the payoff check for the amount of {$6100.00} for the vehicle loan, the account status will be reported as ( paid as agreed ; closed ) to the credit bureaus. This conversation was recorded by XXXX XXXX XXXX XXXX and I. The payoff check was received by XXXX XXXX on XX/XX/2023 at XXXX XXXX
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (DE)

I am writing to file a formal complaint against Credit Control Service regarding their handling of a purported debt on my credit report. I have recently discovered an entry on my credit report from your agency, which alleges that I owe a debt of {$220.00}. However, I have not received any prior notification regarding this debt, nor have I been given an opportunity to address the account before it was reported to the credit bureaus. 

According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with written notice of a debt within five days of initial contact. This notice should include information about the debt, including the name of the creditor, the amount owed, and the consumer 's rights to dispute the debt. However, I have not received any such notification from your agency. 

Furthermore, I assert that I have not been given a fair opportunity to address the account before it was reported to the credit bureaus. As a consumer, I have the right to verify the accuracy of any debt reported on my credit report and to dispute any inaccuracies. However, your agency has failed to provide me with this opportunity. 

In accordance with my rights under the FDCPA, I hereby request that you provide me with the Certified Mail Receipt containing my signature, which purportedly confirms that proper notification was sent to me. Additionally, I request that you provide me with detailed information about the alleged debt, including the name of the original creditor, the date of default, and the specific charges being claimed.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

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 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX XXXX owner of property XXXX XXXX XXXX XXXX XXXX, Florida XXXX Loan # XXXX. ( XXXXXXXX XXXX  ) I am reaching out to you guys because I would like to see if you guys can assist with an issue I currently have. During the Pandemic I unfortunately lost my job and battled to stay current on my Mortgage account while facing a lot of problems. I work in the XXXX XXXX XXXX industry and unfortunately we faced a lot of problems and challenges to remain open. During this time I became past due on my mortgage and unfortunately its been a struggle to get current. I received assistance twice from them which I appreciate it and I am grateful for. My problem is that I kept facing difficult times and kept getting behind and dragging a late month multiple times and have accrued 16 late payments throughout my time since covid. I am receiving a bonus from work in the upcoming week so I will return to normal and I can promise I will always be on time but when I tried to ask XXXX XXXX  to forgive those late payments or report to the credit a different way to not have a negative impact they said they couldn't do it. Is there anything you guys can assist with? Prior to XXXXXXXX XXXX I had 43 on time payments with XXXX before I refinance to XXXX and if you guys take a look at my credit everything started to happen around XXXX after we were shut down. 

I attached the letter I send XXXXXXXX XXXX along with the screen shots from before and after covid and my excellent credit history with my prior Mortgage provider before switching over to XXXX.
Consumer complaint received 2023-10-18
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. (MA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (TX)

Chase unfairly without any rational basis reduced my credit limit from {$13000.00} on my Chase Southwest Visa to {$6200.00}, even when every single payment I have made has been prompt, on time and in accordance with my contractual agreement with them. They unfairly reduced my credit line causing significant logistical harm to my family forcing to need to change automatic payment methods for various service providers. They reduced my limit without any notice and when I called them to correct this harsh, unfair and ruthless action without legitimate justification they doubled down on their misconduct and maliciousness.
Consumer complaint received 2023-08-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (GA)

I have filed over 5 disputes regarding the same transactions since XXXX. Each time the claim was denied, I asked for the documents used to make their decision and have yet to receive anything. I paid for a vacation package with XXXX XXXX for over 2 years. The event was to take place on XX/XX/XXXX but was abruptly cancelled on XXXX XXXX via email. XXXX XXXX never answered the Customer Service number. Took over a month to get any response from them via email. Even though they offered a Refund, they stated that if a claim had been filed with your bank that they were no longer responsible. The reason for my claim was for Services/Product that was paid for but not rendered. The dates of the transactions are as followed : XX/XX/XXXX - {$410.00} XX/XX/XXXX - {$220.00} After submitting all evidence, including the bankruptcy filing, they have denied my claim yet again stating that no error has occurred. Most if not all claims were denied within a 24-48 hour timeframe. Which signifies that a thorough investigation couldn't have possibly been done.
Consumer complaint received 2023-04-29
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 ) A person shall not furnish any
Consumer complaint received 2017-05-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PLAZA HOME MORTGAGE, INC. (FL)

XXXX   XXXX   XXXX  provided me with a good faith extimate that did was grossly different from the final closing  XXXX / XXXX / 17 . The rate was increased mor e than .1 o f a percent and there was a fee of  XXXX   XXXX  dollars that was added in the last week when I could no longer extend the contract with the seller.
Consumer complaint received 2023-09-21
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. (LA)

I'm trying to purchase a home & the negative items it keeping me from doing so according to the15 U.S. Code $ 1681c-2 there should not be any damages on my report.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

XX/XX/2023, my USAA was hacked. I immediately disputed the transactions. Our social security checks and pension checks were deposited but couldn't have access to our funds. They closed our account and said we were responsible for the hacking. 
We opened our new accounts with XXXX. My identity has now been stolen, and false claims were declare They are working on it diligently to fix the pr9blem. I have filed a police report. 

We have XXXX years with USAA XXXX and my husband is a 17 year veteran.
Consumer complaint received 2020-04-13
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC. (GA)

On XX/XX/XXXX a debt collector by the name of XXXX called me XXXX and left a message. At XXXX that same day XXXX then called one of family members and advised them I have a debt and she called on behalf of a creditor. 

I called XXXX to understand why she was calling me and my family members before confirming whether or not the debt was mine. 

I asked XXXX if I provided the number to the reference she called. 

She said no. 
I didnt confirm the debt nor did I provide any numbers and XXXX reached out to my family by skip tracing information. 

I advised XXXX I am not responsible for this debt and she should not be calling me or more family. 

XXXX was rude and XXXX and I want to be removed from their calling list I also want the company addressed for harassment
Consumer complaint received 2020-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

This is a Business Purpose loan that was done through XXXX XXXX, serviced by XXXX XXXX. BSI Financial purchased the loan XX/XX/2019. 
I adjust our auto-payment to the XXXX for XXXX because our tenant late was going to pay rent late - due to being laid for the Virus. 
After payment, I got a late fee for 10 % of my typical mortgage payment - because our payment was considered late by the XXXX. I never agreed to a late fee being imposed by the XXXX in my original loan agreement. I also never agreed that it would be 10 % of my payment. 
BSI can not purchase my loan and then change the terms of my loan the have to abide by the original agreement.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-18
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. (GA)

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 2023-10-18
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. (SC)

In accordance with the Fair Credit Reporting act XXXX account name XXXX XXXX XXXX, account number 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.