davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

On XX/XX/XXXX, I mailed certified disputing two bankruptcies requesting an investigation, that are reporting negative on my Experian credit report. Experian received my dispute on XX/XX/XXXX @ XXXXpm, and to this day I have not received any dispute results which is a violation of the FCRA. I called to get an update on XX/XX/18. I spoke to the dispute department and they notified me that my case was now in the special services department. When i finally spoke to XXXX XXXX and another employee, and they stated that they didn't know what happened and why no results were mailed to me. They failed to provide me with verifiable proof required by their company, and that is violation under Section 611 ( 5 ) ( A ) of the FCRA. I also requested the description of the procedure to verifiy the bankruptcy and one the employees told me no, they didn't have to give me anything. That's another violation under Section 611 ( 6 ) ( B ) ( iii ). I spoke to the person that is actually over my case, XXXX XXXX XXXX, on XX/XX/18 and told him their investigation was incomplete and by law they have to delete the unverifiable items that were included in my dispute. He stated that he understands the law, but he could not delete it. I asked him why and he said they can only delete it if it was unverified during investigation. He also stated that an investigation was not done when I mailed my dispute. He stated that the last investigation was done in XXXX of this year even though I've sent disputes in after XXXX. Which is also a violation of the FCRA. Mr. XXXX stated that during the XXXX investigation they didn't contact the furnisher ( court house ) but contacted a third party vendor to verify the bankruptcy. Once again that is a violation of the FCRA and they could not provide me with proof of the verification. XXXX stated that once it comes back verified, it will always be verified without investigation and that is not right nor legal.
Consumer complaint received 2024-01-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Edge Home Finance Corporation (CO)

Our mortgage lender caused us to almost have to terminate our deal twice due ti lack of communication, follow up, and due diligence. He cause us to push closing twice and did not do anything to try to resolve the situation - working with the HOA to properly resolve questions to finalize the loan. We were personally approved, but were awaiting HOA approval from the lender. I'd like to file this complaint specifically against XXXX XXXX of Edge Home Financing.
Consumer complaint received 2024-04-17
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. (CO)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2018-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have not had any credit accounts for years. I basically used cash for all my transactions. Recently I decided to buy a house and I had to build my credit to do so. I pulled my credit and notice a lot of activity on there that I did not know about. On the advice of a friend, I ran my information to see if my profile was leaked in a data breach and it was. My credit report should have been blank, but there are several items that I need to remove before I can move forward with my aspirations to become a homeowner. These items include incorrect addresses, phone bills, utilities bills and an auto loan.
Consumer complaint received 2024-01-05
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. (MI)

On XX/XX/2023 I submitted a complaint with the case law 15 USC 1681sub section 604 explaining that a consumer reporting company can not report anything negative on my report without my written consent!! And they did not remove the XXXX XXXX XXXX ( XXXX ) that's been closed on my accounts for more than 10 years they claim it's a verified acct when that's not what I asked
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Subject : Dispute of Inaccurate Information and Unlawful Actions by XXXX XXXX  XX/XX/XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX regarding their persistent reporting of inaccurate information on my credit report and illegal activity with my XXXX XXXX account XXXX XXXX Despite having previously disputed these inaccuracies with XXXX XXXX directly, as acknowledged in their email dated XX/XX/XXXX, the errors persist, and the bank has engaged in additional unlawful activities. 

On reviewing my account statements for XXXX and XX/XX/XXXX, I discovered that XXXXXXXX XXXX has erased these statements from my account, a clear violation of my rights and illegal under the Fair Credit Reporting Act ( FCRA ). This obstructs my ability to monitor my financial transactions and is unacceptable. 

Moreover, XXXX XXXX is reporting a XXXX missed payment in XXXX and a XXXX missed payment in XXXX, both of which are inaccuracies. I have evidence of a payment of {$2100.00} made in XXXX and {$370.00} made in XXXX. It is clear that XXXX XXXX  has failed to update their records accurately and is misrepresenting my payment history. 

Furthermore, XXXX XXXX erroneously charged off my account in XX/XX/XXXX, even though payments were being made. According to the law, a charge-off can only occur after XXXX  days of non-payment. XXXX XXXX XXXX premature charge-off is not only a violation of my rights but also indicative of their disregard for legal and ethical standards. 

In light of these egregious actions, I am including evidence of these illegal transactions and demand compensation of {$1000.00} for each illegal transaction committed. I also insist that XXXX XXXX rectify the inaccurate reporting on my credit report, updating the account to " paid as agreed in full with no late payments. '' If XXXX XXXX is unable to correct this information, I request the immediate removal of the account from my credit report.

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action against XXXX XXXX  for their violations. I appreciate your prompt attention to this issue and look forward to a resolution that upholds consumer rights. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OH)

First of all, this is the second complaint I have filed within a short period of time with this company. They are predatory and crediting payments incorrectly. I am being penalized for paying early ... and, especially, when I have no statement sent to me. 

As of XXXX, XXXX, my balance XXXX, based on another complaint. They said they'd knock that balance off, which they did. As of XXXX, XXXX, my balance was XXXX. I received no paper statement for XXXX. 

As of XX/XX/XXXX, my balance was XXXX. I received no paper statement for XXXX. 

On XX/XX/XXXX, I paid {$35.00} because I knew I was going to have a balance for XXXX purchases ( {$73.00} ). I received my XXXX statement after I paid {$35.00}. Today, XX/XX/XXXX, I get a text message reminding me of a payment due. I already paid {$35.00} EARLY. I am being penalized by paying early. 

A consumer usually isn't aware of when a statement is cut. This company is charging me a late fee of {$29.00} on my XXXX bill, which I don't even have a paper statement of. This is unfair. I can only pay on statements for which I SEE. 

This company is taking advantage of their customers with ridiculous ways of crediting payments. I asked their rep to move my {$35.00} i paid EARLY to my XXXX statement, since they told me that {$35.00} was paid FOR XXXX ( WHICH I NEVER RECEIVED ) NOT XXXX. I will pay them what I owe, minus the late fee WHEN I RECEIVE MY XXXX BILLING STATEMENT. 

I am closing my credit card, because of their weird billing practices. I want the late fee credited IMMEDIATELY AND AN APOLOGY FOR TREATING ME LIKE THEY HAVE. MY CREDIT SCORE IS USUALLY XXXX. WHY WHY WHY???? THIS COMPANY NEEDS SHUT DOWN. THIS IS BAD BUSINESS! THE TREATMENT OF THEIR CUSTOMERS IS UNACCEPTABLE.
Consumer complaint received 2024-01-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I want to bring to your attention that the disputed items on my credit report are a result of identity theft, and this issue has been promptly addressed by other credit reporting agencies. Other bureaus have acknowledged the fraudulent nature of these accounts and have taken the necessary steps to remove them from their reporting. 
XXXX XXXX XXXX XXXX- PLEASE DELETE!!! TU have already removed this account from their records. 
XXXX XXXXXXXX FRAUD, PLEASE DELETE!!! 
I insist that you promptly investigate this matter and remove the fraudulent accounts from my credit report. I believe that the law requires you to act in accordance with the FCRA, and I am hopeful that your agency will fulfil its legal obligations in resolving this matter.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

I submitted a claim and they said I would receive a refund check in 20 days Its been 40 days a no refund I called and now they said there is a delay I ask how long is the delay and they said they cant give me a update at this moment
Consumer complaint received 2024-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (MA)

Us bank is reporting an account opened in XX/XX/22. It is not my account. They said it associated XXXX XXXX XXXX XXXX  credit card which Ive never had any credit cards with XXXXXXXX XXXX  Numerous attempts requesting proof have been sent to credit bureaus and the companies involved. This account is a result of identity theft. Numerous ftc reports have been made
Consumer complaint received 2024-04-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: NEW YORK COMMUNITY BANCORP INC (TX)

I would like to file a complaint against Flagstar bank. 

On XX/XX/XXXX we spoke with them and made a plan to have a workout option. During that phone call my housing counselor XXXX and I spoke with them and were giving the following option. 

Reduce the delinquent amount by {$10000.00} then submit the remaining amount into a partial claim. We asked a few questions to the person on the phone that he was unable to answer them and needed to reach out to underwriting department. I told him, I would find a way to have the {$10000.00}, he stated that I had till XX/XX/XXXX, to pay this amount. I asked if I needed to submit another loss mitigation application and he stated I did not that my current loss mitigation application from XX/XX/XXXX would be sufficient. 

On XX/XX/XXXX I called to make payment and they told me my home is in foreclosure and they could not receive my payment, they also told me that the fee had increased to {$12.00}, XXXX and that I needed to cover lawyer fees. According to the bank, they attempted to reach out to me. I do not have any correspondence from them about this matter. It feels like Flagstar bank is purposely trying to have me fail and go into foreclosure.
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

My name 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 2024-01-05
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)

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. 

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 information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK (CA)

XX/XX/year> there were XXXX transactions {$80.00} to XXXX XXXX while only XXXX of them was to post. Discover finds the charge valid, even after submitting the statement for XXXX ; showing the refund on their end, but never posted to the Discover account. {$80.00} needs to be credited to the account to make it correct.
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a dispute in XXXX of 2023 and since then My access to my online report has been taken away. Transunion will not let me access my free credit report online. This has happened numerous times after I submitted a dispute. This time I have not been able to access my online credit report for over two months. I call customer service and nobody knows anything telling me to submit a dispute by mail. I should not have to do that when I have the right to do it online. 

I also found over XXXX inquiries on my credit report most of them 3-4 duplicates from the same companies, this is only on my Transunion credit report. I tried to dispute them as I did not make them Transunion locked me out of my account after the dispute and I could not access it for weeks. This is a problem with Transunion and Transunion only.
Consumer complaint received 2017-05-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (MO)

diversified consultants just put this on my credit I do not no who this company is this company sent the credit bureaus wrong and misleading information I do not owe them are who they say they are representing  XXXX  it what 's showing on my report when I tried to call both no success speaking and getting any understanding  because they do n't no what they are doing you just cant throw o ver 3000.00 debt on  someone 's account with out notifying them 30 days i n advance that 's against the law I 'm sick of these companies destroying people credit like this.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (KY)

I asked permission to deposit a financial aid check my mother received and owed to me and was told sure. They held it for XXXX  days and released the funds today and they were showing in the account but debit card did not work. Called support who placed me on with fraud and said they were closing my account due to not being able to verify the check and it being fraudulent. I contacted the school who after a long hold told me they were looking at the transaction, that the check had cleared XX/XX/XXXX and they were considered done as far as they were concerned. I called the bank and told them this and they said no that was incorrect and promptly closed my account which now shows XXXX dollar balance where it did show the check amount. Where is my money? Also was told I couldn't deposit the check and i told them to check the messages and they would see where I messaged and asked permission and was given some. I want my {$4500.00} because I will be out on the street Monday without it.
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (OH)

I have 2 aspire credit cards. I had never been late or missed a payment since opening both accounts until late last year when I paid on the app at the same time I had done each month prior when one credit card showed a late fee. When I contacted the company they informed me I had made my payment to early and it was applied to the balance instead of being listed as a payment. I had made the payment through their app and when I did it said I had made a payment and my account was current. I then had to make several additional payments to catch that account up. At that time I requested they close that account so no more fishy things happen. I had no problems with the account I had left open until I went to make a payment on the app and this time with the other card when I tried to make a payment it said I was using a credit card and denied the payment. I was using a debit card so I tried it a few more times and then took a screenshot of what ot was saying. I then callled the company and made an automated over the phone payment using the same debit card and it went through without a hitch. I then contacted customer service to ask why my debit card had failed on the app only to be told it was declined because I didnt have enough money in my account which wasnt the case at all as I had already made the payment on the phone. I then said this wasnt the first time with the app problems and when the app problems occur it costs me money. The customer service of aspire likes to gaslight and blame the consumer. I explained to rep that I had taken screenshots of what had occurred and there seems to be a bug that costs money in the app. After a few go arounds of telling me that there is several reasons that the app might not take my debit card. ( this was after I had already used the same card via the phone ) I told him that I wanted to contact someone within the company to try and diagnose what was going on. Because o knew from my previous experience with this company that getting this escalated wasnt going to occur as they simply dont let you get above the supervisor that is online at the time. He gave me an email address which was XXXX which I sent and email to.
Consumer complaint received 2024-04-10
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: EQUIFAX, INC. (IL)

On XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later i have not recieved a repsonse yet. I feel like i'm being taken advantage of and being ignored of my disputes section 611 ( a ) it is plainy stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was impacted by the equifax data breach and may have got into the hands of the wrong person.