davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-07
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: EQUIFAX, INC. ()

On XXXX XXXX I found out theres a collection item showed on my credit report with Equifax when I was getting a mortgage from the bank. I had to postpone the closing due to the mismatch info. I contacted Equifax right away and agent helped me start the dispute process. I was told it took 15-20 business days to resolve. During the time, I tried to call several time to seek help to accelerate the process as I had to pay high interest for the delay of closing the mortgage. They confirmed the latest date I should receive a final solution is XX/XX/XXXX. Now is XX/XX/XXXX, Ive got nth from them. I had to call another three time. Every time I got different answers regarding the timeframe I would expect for the solution. Firstly, its totally over the timeline they promised. Secondly, It seems all agents goal is to get customer off the phone, other than listen and resolve the problem. I understand it might not be out of their hands for those who picked up customer calls to resolve a credit profile. But as a big organization, they should have certain procedures to deal with urgent case like this. Every single day they delay resolving problem, I have to pay high interest. ( 9.15 % as of XXXX XXXX ). Not to mention it was XXXX fault to have mismatch info on my credit file. The dispute its about a hospital bill which I never been there. I provided my health card which show proof my medical history that I never been to that hospital. I was told who owned the bill probably just had similar name as mine. Im super upset for the whole process and want to have Equifax to fix their problem asapcomplaint file yesterday. But the response I get is company will give final response within 60 days, which is ridiculous. Equifax agent told me the collection is from a company named collection network, which I believe No long existed. They just sent request to this ghost company which will never respond. They could have confirmed with the hospital if I as a customer ever visit their by checking medical record. It should be a easy fix, if anyone from Equifax really cares about people and find a real way to solve the problem. I file a complaint yesterday but the response I receive its the same as every single agent on the phone working on the issue. Its unacceptable as you cant just tell people to wait infinitely. Im pretty sure if someone really escalate the case it could have been resolved long time ago. I might be homeless anytime soon if I dont get this mortgage application done asap. I have great credit and minimal liability, but due to Equifax original mistake that to put someone elses debt into my profile. I cant have my mortgage done. Interest increase again, really money consequences as of 9.65 % interest rate to me now. Dont tell me to wait again, just take action.
Consumer complaint received 2022-10-17
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. (OH)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-01-24
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: EQUIFAX, INC. (FL)

This company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months.

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer.

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates.

EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX  XXXX XXXX  XXXX  Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : TXXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX
Consumer complaint received 2024-03-07
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

The consistent timeliness of my payments for this account contrasts starkly with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2023-04-19
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. (FL)

I am not liable for this debt with XXXX XXXX, and I do not have a XXXX XXXX credit card account. They did provide me with the original application like I asked, nor did they provide a witness to the application. 
I demand the account be removed from my credit report Immediately.
Consumer complaint received 2023-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

Problem using the XXXX connected to my Chase account. Say that there was a problem in XX/XX/2023 and the ONLY solution is to use a new email address and create a completely new Chase profile. 

I have had no fraud or other issues with my accounts. Have spent hours with high-level customer support and they have said the same things as a solution. BUT will not tell me what the issue is that caused the problem in the first place. 

Please help!
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (OH)

Im requesting for all student loans to be removed from my credit report per 20 USC 1232 ( g ) 5 USC 552 ( a ) 34CFR 99 The Privacy Act of 1974 ( FERPA )
Consumer complaint received 2023-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

Citi is continuing to disregard my complaint. This is an ongoing problem per previous complaints made to CFPB. Their last response was trying to placate me by adding points to my account. I would like this resolved once and for all. Citi is now attempting to withdraw the resolved amount of {$4900.00} from my account even though they said they are working on correcting the problem. This problem has gone on for more than a year. I am wit ends and do not know what to do about this. I've attached a current statement. My bills are set to pay in full every month. My purchases show {$2600.00} as charges for the month of XXXX. Citi is trying to withdraw that plus the resolved amount ( {$4900.00} ) and interest. They added this interest because I stopped them from withdrawing that amount from XXXX. They said you can adjust the autopay and Citi will not charge interest while they supposedly working on the problem. On my last CFPB complaint, I showed proof that I paid the {$4900.00} double credit on XX/XX/2023.
Consumer complaint received 2024-03-07
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. (FL)

XXXX XXXX as a consumer, am notifying you that I dispute this alleged XXXX XXXX XXXX XXXX  + pursuant to XXXX XXXX XXXX. I REQUEST THAT YOU PROVIDE TO ME XXXX OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF XXXX MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
XXXX Since this debt is disputed pursuant to the Fair Debt Collection Practices Act. you are required to cease all collection of this alleged debt which include reporting to my consumer report with EXPERIAN, XXXX, AND XXXX I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. As you sold this debt to another company also DID NOT consent to you reporting information in my name to the consumer reporting agencies.
Consumer complaint received 2023-10-17
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: BlueChip Financial (CO)

I went online, asked to make my payment for a different amount per their website tool, and asked to pay off the loan. They took {$1400.00} which was the quote to pay this off. They also took an additional {$220.00} which was my usual payment. When I called, I was told that the payment was already processing and there was nothing they could do. They refused to refund this amount or even look further into the issue and again stated that payment was already processing. When I asked to speak to a supervisor i was told " you can but they will tell you the same thing, it was already in process and we can not stop it or refund it ''. I have emailed and not received a response.
Consumer complaint received 2023-05-08
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: 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 2024-06-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Conn's, Inc. (CA)

XXXX XXXX XXXX, XXXX, and XXXX XXXX sent denial letters for fake loan applications under my name. Fortunately, all my credit reporting is frozen and loans were rejected. Another XXXX XXXX loan company, XXXX, was successful in granting a stolen identity loan. Once alerted to the fraud, I contacted both my bank and the vendor. After questioning these companies, I found the perpetrators have all my information, including my social security number. This issue has been resolved with all money recovered. This would appear by the timing, to be a consolidated effort by the same criminals and I would ask they be prosecuted to the fullest extent of the law.
Consumer complaint received 2023-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: OLD NATIONAL BANCORP (IL)

Hi, I opened my checking account at XXXX XXXX branch with XXXX XXXX XXXX in XX/XX/2023, now im trying to access to my online banking and the system said that my accout is " on hold '', call customer service. 
I called customer service and they dindt help, I was requested to go to a branch, something is impossible because Im in XXXX right now. 
Also I never get my debit card and pin on my mailling address which is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX
Consumer complaint received 2024-03-07
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. (FL)

To Whom It May Concern : This letter serves as a formal complaint that Update Late Pmts to Bureaus XXXX, XXXX XXXX, and Experian you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. XXXX XXXX XXXX l also respectfully request to be provided specific proof that these alleged late payments were in fact late. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws. I also request that you send the description of the specific procedure you use to determine the accuracy and completeness of the information. I know this must be provided within 15 days of the completion of your reinvestigation. XXXX XXXX XXXX  accordance accordance with the fair credit act # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose 15 USC 1681 S- XXXX : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT with the fair credit act # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT Thank you for your time and help in this
Consumer complaint received 2023-06-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PENTAGON FEDERAL CREDIT UNION (OH)

I requested a redemption of my share certificates from the PenFed Credit Union on Thursday XX/XX/XXXX. The next day, only 20 % of the money was deposited into my savings account. The other 80 % was reinvested into other CDs without my knowledge or authorization. 

After this frustrating error was solved on XX/XX/XXXX, I tried to link my savings account to wire funds to my XXXX money market account on XX/XX/XXXX. 

On XX/XX/XXXX, I was told by two security specialists ( after a series of several detailed questions regarding identity and double verification phone calls ) that the money would be wired immediately and the wire fee would be waived. 

Later on XX/XX/XXXX, while checking on the wire transfer, I tried to open my PenFed app and discovered that I was blocked from my own account. 

I spent 8 hours on XX/XX/XXXX talking tp several representatives who connected me to fraud specialists, security team members- and was asked to send SEVERAL documents verifying my identity to no avail!! I have sent the following 1. Drivers license 2. Selfie with my drivers license 3. Social security card For address verification, I sent.

4. IRS statements, benefits starrments from my job, XXXX XXXX bills and even a drivinf violation addressed to me with my mailing address on file 5. My aunts drivers license with the mailing address on file 6. My aunts car registration with the address on file 7. My aunts utilities bill with the address on file I live part of the year in XXXX so my US mailing address is at my aunts house. I was never told this would be a problem when I opened my savings account and CDs. In fact, that process took a total of 5 minutes. 

These are my hard-earned life savings. I WANT MY MONEY BACK.
Consumer complaint received 2023-06-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I submitted a form to get a pre-approval letter for a mortgage within the application of Mr Cooper that I used for a monthly payment of my current Mortgage with them. 
Somebody called me, XXXX XXXX, NMLS # XXXX, and I gave him all the required information, including my SSN. He already had all the rest, like email, the company I'm working for, address, tel #, etc. 
Later that night, I received an email with more requirements to move forward on the process, which is fine. But this morning, a day later, I received several calls and texts from other financial companies asking me to work with them. So, after submitting my request and personal information to Mr Copper, I start receiving calls from other companies with my information. Did Mr Copper share my info? They have not only my ssn but also my bank and personal information ; I can not trust them any more, but I am stuck with them since they are owners of my Mortgage.
Consumer complaint received 2023-06-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada) (CT)

I will attach the email below between the collection agency & myself. The agency is trying to ask for money that we do not owe. I gave my property manager enough notice to vacate & that she would rent to us again. I have both our signatures. I moved out before my parents. Our lease was up XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX told me I was released from the lease. My mother was also there as a witness when we signed the document My parents as well have had signed a separate move out notice before they left. There was not a third line for me to included. My parents & myself have fulfilled the lease. They are trying to make us pay for renovations! Also they stated we didnt have a security deposit, which in fact we did on the original lease!!! 
Always make sure to get copies of everything you sign. I have gotten nowhere with this agency & they are indeed trying to collect money that we do not OWE! 

I will attach my move out notice, my parents move out, the email between the agency & myself explaining the situation & the original lease thats shows in fact that we did have a security deposit.
Consumer complaint received 2023-06-19
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. (FL)

H

I I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-04-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/year> I attempted to call Wells Fargo to make a payment on a Credit Card using a debit card. Despite saying they could do this, the bank transferred me through 3 representatives on the phone, all of whom could not accomplish such a task. 

Wells Fargo engages in the anti consumer practice ( which should really just be illegal ) of purposefully complicating the process by which customers accomplish necessary tasks ( making payments ) if they do not also bank with Wells Fargo. Wells Fargo limits the amount of payments on credit cards that can be made using an outside checking account to XXXX. In order to to make a 5th payment, customers must call. Once you call, they try to instruct you to just make the payments online, even though it is Wells Fargo 's own policy preventing customers from making a payment the obvious way.