davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-22
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-22
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. (NV)

I am requesting the Credit Bureaus to please REMOVE the items I listed on this complaint and the previous complaint I submitted. As to be certain that my credit reports will be accurate, and the inaccurate negative items will stop harming my credit file. I NEED the Credit Bureaus to see the list below and please remove the items I listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2023-09-22
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)

Previously, I made an investigation about this account with incorrect information and after checking your responses, I recognized that the same account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX XXXX  XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$5800.00}
Consumer complaint received 2023-05-03
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)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2020 XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6300.00} XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$6300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$970.00}
Consumer complaint received 2024-03-29
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. (CA)

Despite your promises to address my disputes, an excessively long period has elapsed since I lodged my concerns, and I have yet to receive any information or updates regarding the investigation. I am profoundly concerned by the lack of urgency displayed by your bureau in handling my dispute, especially considering that the contested account is evidently a case of fraud. The significant mental burden this situation has imposed on me can not be overstated, and I implore you to take immediate action to rectify this matter. The repercussions on my creditworthiness stemming from the existence of a fraudulent account not only impact my financial standing but also adversely affect my overall well-being. 
XXXX XXXX XXXX.
Consumer complaint received 2024-03-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: BARCLAYS BANK DELAWARE (DE)

Dear CFPB officer I have a one year CD account with Barclays, which matured on XX/XX/2023. I contacted the customer service on XX/XX/2023 before leaving for vacation, requested to close the account once it matures on XX/XX/2023 and fund money back to my original checking account at XXXX XXXX. I was told that the agent can't note the account for " non-renewal after mature '', and asked to do it myself. I thought I did a online option check for non-renewal, left for vacation. 

In early XXXX, I realized the account was renewed and called their customer service, they told me nothing they can do. I have tried to call twice after XX/XX/2023, was told that I have to pay more than {$6000.00} penalty to close this account. 

Although I was told by their customer service they will file a complaint for me and mail me the letter, which obviously I never received. At my last call, the customer service manager denied that she offered for filing a complaint before.

I filed this complaint for two reasons : 1 ) the bank created so much trouble to close the CD account before it matures 2 ) the bank created even more troubles even I followed up in early XXXX, Just two weeks after the account matured 3 ) Even their customer service manager kept on changing the statement regarding filling and mailing me a complaint letter to me. I observed such as in-consistency from the bank, which I don't trust anymore.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MS)

On my XXXX account, I requested for the statement " disputed by customer " to be removed from all three credit bureaus but it's still on my credit files. This should be deleted immediately.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (TX)

on XX/XX/2024 navy federal closed my account no text, call or email was sent prior to the event at hand. there was one email saying the account was closed temporarily. but upon calling the account was closed permanently. initially i was shocked and stressed because I have a good relationship with this bank my office space rent comes out of my account each month along with other things. I speak highly of them especially helping clients build credit. Now I was unaware that this bank was not 1099 friendly. on XXXX XXXX XXXX XXXX XXXX XXXX sent me a XXXX  of XXXX ( which did not deposit ) into my account the intent for this was for promo and marketing. which is just XXXX of the many duties i have there I am a XXXX 1099 employee with this company which is only a seasonal gig XXXX - XXXX XXXX & XXXX are busy for this company due to benefits ending and then starting right back up XX/XX/2024. I've reached XXXX  transaction many times before with this company and now its the reason my account closed. I spoke with the manger over payments and they said everything good on there end nothing was flagged they offer to make a statement on my behalf.
Consumer complaint received 2023-08-30
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. (NY)

To Whom It May Concern, I am writing to bring to your attention significant inaccuracies in my credit reports that require immediate attention and correction. I have diligently disputed these discrepancies multiple times, yet they continue to be reported as verified, which is in direct violation of the Fair Credit Reporting Act that mandates accurate reporting. As per the law, you have 15 days from the receipt of this letter to investigate and rectify the discrepancies as outlined below : Account name : XXXX Account Number : XXXX ( Experian )/ XXXX ( XXXX ) Account Type : Revolving Account Type - Detail : Credit Card Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX ( Experian )/ XX/XX/XXXX ( XXXX ) XXXX : {$690.00} No. of Months ( terms ) : XXXX High Credit : {$840.00} ( Experian )/ {$0.00} ( XXXX XXXX XXXX XXXX : {$500.00} Past Due : {$690.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX ( Experian )/ XX/XX/XXXX ( XXXX ) XXXX Last Active : XX/XX/XXXX ( Experian )/ XX/XX/XXXX ( XXXX ) XXXX of Last Payment XX/XX/XXXX It is evident that the information being reported on my credit report is both inaccurate and damaging to my creditworthiness. I urge you to thoroughly investigate this matter, contact the creditor in question, and ensure that the information is corrected to accurately reflect the status of this account. I have attached supporting documents that validate my claims and demonstrate the discrepancies between the reported information and the accurate details. 
Furthermore, I request that you provide me with a written confirmation of the actions taken to rectify these inaccuracies once the investigation is complete I trust that you will treat this matter with the urgency and seriousness it deserves. Failure to comply with the Fair Credit Reporting Act 's guidelines could result in legal action. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-10-02
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: General Motors Financial Company, Inc. (NY)

Despite multiple written requests, the unverified account listed below continues to report on my file. The late payment is inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account below : GM FINANCIAL XXXX
Consumer complaint received 2023-08-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WESTERN ALLIANCE BANCORPORATION (VA)

I have asked the company to apply the restricted escrow amount to the loan principal amount and recast my loan in XX/XX/2023. The company has sent me an agreement and I paid {$300.00} that they asked and the process went into a black hole since then with a different response from agents whenever I called. I talked to 10s of agents and supervisors to get the amount applied to the principal. Eventually, I learnt that this process is simple and the company has to do an exception process which will take a week from XXXX XXXXXXXX around XX/XX/XXXX and the amount was applied on XX/XX/XXXX. But it took many months and calls to get this accomplished. 

In the meantime I paid more than {$8000.00} in interest ( $ XXXX every month ) and I expect the company to refund this as the interest accumulation is completely due to the process delays and incompetencies. 

While my interest payments and refund was included in my previous complaint, the company conveniently closed the case by applying the escrow amount to pricipal and no mention of the interest payments that I have been making due to process breakdown on their end
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I keep sending them letters for them to remove inaccurate information and make the corrections updates and remove incorrect information. I also ask them to validate but they refuse to make the updates and changes and this is causing many trials and unnecessary difficulties.
Consumer complaint received 2023-09-22
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. (NC)

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 2023-09-22
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. (NY)

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 was reflected as a late payment 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 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-05-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I saw an online promotion to open a checking account and receive a {$300.00} sign-up bonus for direct depositing {$500.00} within the first 60 days. I clicked the link in the promotion to make the account, and filled out the application. After doing this, I was unable to see the account when logging into Citizen 's, even a few days later. I went into the branch to check the status, and they told me the account didn't get opened, and opened one for me in the branch.

Around 2 weeks later, I logged into Citizen 's and saw I now had 2 accounts. The original account did end up getting opened. I went into the branch and asked them to confirm that the account was setup correctly to receive the terms of the online promotion. They told me that it was not coded to receive the promotion. Instead, they sent me information about a different person 's account ( my husband 's ). 

I asked them to fix the account, but they refused. They said I should fulfill the terms of the offer, wait to see if the account was credited, and if it wasn't, then they would consider next steps. There is no reason to believe it would be credited, given they explicitly told me it was not coded to be credited. It seemed they wanted me to create the account and deposit money without honoring the offer terms. 

They also suggested I can close the account and reopen it. However, the promotion clearly states that only the first account is eligible, so doing what they suggested would have invalidated me from being able to fulfill the terms.
Consumer complaint received 2023-09-22
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. (CA)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items 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 items are 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.
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

Chase Bank close my account sometimes between XXXX and XXXX. I never got the reason ( s ) why. I'm now wanting to be compensated for failing to contact me. I also wasn't able to have access to any account statements.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$70.00} XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-29
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: Maximus Federal Services, Inc. (NJ)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b s creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.