davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION (OH)

We have had a Superfleet card for our business for many, many years. We have rarely if ever have been late, and our bills are paid in full EVERY SINGLE MONTH! In XXXX of XXXX, we didn't receive their statement in the mail until way later in the month due to issues with the post office. We sent the payment out the day that we received the statement like we always do, and it took them over 3 weeks to post the payment. They shut our cards off, charged us {$75.00} in late fees, plus other charges. They said they did not have our payment, but crazy as it may seem, it came out of our checking account the very next day. We had to pay over the phone in order for our employees to get fuel on their cards. In XXXX, we had a credit since it was paid by phone AND by check. In XXXX, we received their bill around XX/XX/XXXX, I sent a check out the same day, it didn't post until after the XXXX of XXXX, which made it late AGAIN! We don't use these cards often, our drivers fill up the trucks at our shop daily, these are used in case of emergency only. We rarely pay more then a couple XXXX dollars to them monthly. In XXXX, same deal. In XXXX, they deemed our company a credit risk and starting charging several XXXX dollars of credit risk fees in addition to the late charges, and they changed our due date! In XXXX, I sent a check to them as soon as I got the email that had the amount due on it. They sent that on XX/XX/XXXX, I mailed the check on XX/XX/XXXX. We received their bill which was post-dated XX/XX/XXXX on XX/XX/XXXX, so let 's say our check was received by them in about 5 days as well. Our due date was changed to XX/XX/XXXX, so 14 days after I mailed the check out. Still didn't post to our account. It didn't post until XX/XX/XXXX! There is no reason it should take 17 days to post. Especially when every other check that I sent on the same day, several that went further than theirs, took 8 days or less to come out of our account. I checked EVERY DAY to see if that check cleared, on the XXXX I tried to use their online CheckFree option just to avoid the fees, but guess what, it doesn't work!! On our XXXX bill, we spent under {$30.00} for fuel, but the total bill was {$280.00}! This is ridiculous, if they aren't going to post payments in a timely manner, the due dates should be MUCH further out. They have refused to refund fees except a couple late fees, and they have refused to move our due date. Apparently I am not the only customer that they are doing this to. If you look at any profile for their parent company, XXXX, they are doing this to many, many people. How is this legal??
Consumer complaint received 2020-12-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Experian updated my balance incorrectly on XX/XX/XXXX, my balance on my statement that was sent from my credit card company to experian should be XXXX XXXX but they have it reported as XXXX which is 97 % of the cards limit. I have sent experian a copy of my statement that gets sent out by the XXXX  XXXX  every month on the XXXX and it has not been changed to XXXX which is what the credit company reported on XX/XX/2020 to experian. Please reflect the correct statement balance, i will attach a copy of XX/XX/2020 statement to this complaint of account XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-07
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: Granite Edvance Corporation (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, CA XXXX Re : Account number : XXXX To Whom It May Concern, This letter is a formal dispute and request to remove late payments from my credit report. The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear. I have outlined it below : Section 623 ( a ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information. My research has found this notice is typically found on monthly statements, however : 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative information ( E ) Use of notice without submitting negative information No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency. 
Additionally, FTC Advisory Opinion to XXXX XXXX XXXX ) states : " Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. This opinion goes on to address the reporting of late payments stating this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct.As you can see the law and FTC opinion state that you, the furnisher, are NOT legally bound to report negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of late payments. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX
Consumer complaint received 2021-07-07
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. (WA)

A certified letter ( Tracking number : XXXX ) dated XX/XX/2021 was sent to EQUIFAX showing inaccuracies found on my credit report requesting these inaccurate items to be removed from my credit report. This deletion request letter was accompanied by supporting factual evidence from my credit report. 

As of today, more than 45 days have elapsed since this request for the removal of inaccurate information from my credit report was filed with EQUIFAX. In accordance with Federal Regulations ( FCRA section 609e, 611, 623 ) EQUIFAX should have investigated and provided factually supported evidence and appropriate documentation or have removed these items from my credit report within a reasonable time of 30 days. 

Since these inaccuracies are still on my credit report with no written response, EQUIFAX is in violation of these Federal regulations and must delete these inaccuracies from my credit report immediately. Unlawful reporting of inaccurate information by Equifax has caused financial hardship on me including denials for credit, I demand these inaccuracies and unauthorized inquiries from my credit report be deleted immediately.
Consumer complaint received 2021-07-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I have been trying to dispute 2 bankruptcies on my report. Chapter XXXX file number XXXX and XXXX XXXX file number XXXX. Experian sent me a letter back saying the information was verified by the bankruptcy courts. I have a letter from the courts advising they do not give that information to the credit bureau. I sent that information to Experian and guess what. Instead of removing the files of my report, they just updated my dispute and said it has been verified. I have attached the paperwork below. How is this verified and the court advised they did not provide you the information. This has been going on for months now with Experian and now, they just flat out lied again instead of deleting the information. Now when calling and I enter my social, they send me to a fraud department and I can not get an agent on the phone. They are violating the FCRA and my rights. I have proof they did not get the information from where they say they did.
Consumer complaint received 2021-07-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I was the victim of a scam/fraud by user XXXX XXXX on Venmo which is owned by PayPal. I realized this was a fraudulent transaction within approximately 10 minutes, contacted Venmo, and contacted my bank, XXXX XXXX in an attempt to cancel the transaction and my debit card. XXXX XXXX canceled my debit card, while Venmo did not cancel the transaction. The scammer fraudulently copied a known contact 's profile, photo, and username ( with a slight modification ) and requested money from me. This appears to me to be a failure on the part of Venmo/PayPal to comply with " Know Your Customer '' laws and also to prevent fraud on their platform. Venmo refuses to help on this matter thus I am filing a complaint against them.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Last year I discovered a false accounts with XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but these accounts have denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2021-12-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: AXOS FINANCIAL, INC. (CA)

Axos bank stopped providing monthly statements 4 months ago and change escrow fees monthly, providing no real monthly set amount. They send unclear and misrepresenting accounting letters. Phone calls to bank go unanswered. This is a bank that is intensionally trying to make clients default on mortgages. After only 1 year and 3 months in, Im paying a penalty just to refi to another bank so I feel Safe.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I have 2 companies XXXX XXXX and XXXX XXXX who have been reporting to my credit report. I have contacted the agencies and they still do not remove the information.
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

I have a really extensive report to submit about Pay Pal Mastercard!! 

They have me listed with a lost or stolen credit card. 

I am XXXX years old and a Veteran of the XXXX XXXX in XXXX XXXX, Texas. 

Please help me!! 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (GA)

We paid of our mortgage as part of the sale of our home on XX/XX/28. Caliber is refusing to send the remaining funds in the escrow account for 21 days. Nothing in the contract says that we have to wait 21 days and they are not giving any valid reasons for this delay. It is our money and we should not have it held from us. The account is not past due and never was, nor was any payment ever missed. Again, the account is paid in full and we have already received a PIF confirmation from Caliber.
Consumer complaint received 2020-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Continental Finance Company, LLC (IL)

I received a guaranteed letter for a credit card of {$500.00}. Once they bring you to a " website '' for your approval, they take your information and then say you are declined and then try to get you to sign up for some other XXXX type of company. My girlfriend and myself are both subject to this. I now have a hit on my credit, I would be glad to share the misleading letter. It tells you your credit limit and everything. I have an approval from a much more reputable company, so I know my credit was good enough to get a card. I just want this off my credit and would like to be removed from their system. I would also like to know how they got my information. My personal opinion, companies like this should be held responsible for lying to consumers and effecting their life in such a bad way. I now have a credit pull and decline tied to my name because of them. Please help and please make them pay for their shady advertising tactics.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.
Consumer complaint received 2021-07-07
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. (MO)

I am a current victim of identity theft, XXXX XXXX and Experian continue to report fraudulent activity on my credit report. XXXX XXXX XXXX XXXX ( {$7800.00} ), XXXX XXXX ( {$5900.00} ), XXXX XXXX ( {$6100.00} ), XXXXXXXX XXXX ( {$6300.00} ), XXXX XXXX XXXX ( {$3200.00} ), XXXX XXXX XXXX ( {$7400.00} ), XXXX XXXX ( {$1400.00} ), XXXX XXXX XXXX ( {$570.00} ). FTC has been filed in XXXX of 2021 they did not comply within the 5-7 business days according to federal law.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am a current victim of identity theft, XXXX, Equifax, and XXXX  continue to report fraudulent activity on my credit report. XXXX XXXX XXXX XXXX ( {$7800.00} ), XXXXXXXX XXXX  ( {$5900.00} ), XXXX XXXX ( {$6100.00} ), XXXX XXXX ( {$6300.00} ), XXXX XXXX XXXX ( {$3200.00} ), XXXX XXXX XXXX ( {$7400.00} ), XXXX XXXX ( {$1400.00} ), XXXX XXXX XXXX XXXX {$570.00} ). FTC has been filed in XXXX of 2021 they did not comply within the 5-7 business days according to federal law.
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BB&T CORPORATION (WV)

On XX/XX/2019 I was present during the opening of a business checking account at BBT. The account manager talked to us about their new credit cards and asked if we would like to get a credit card along with the new checking account for our business. We told her we would consider it late but then days later I noticed not one, but two credit pulls on XX/XX/2019 and XX/XX/2019 by BBT. I called and asked them to remove the inquiries as we did not apply for any credit cards. They told me they were removed, but on review of my credit report the inquiries still remain.
Consumer complaint received 2023-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

MY CURRENT MORTGAGE COMPANY SPS SELECT PORTFOLIO SERVICING AND MY FORMER MORTGAGE COMPANY XXXX XXXX XXXX XXXX DUE TO THE PANDEMIC I BECAME UNABLE TO POAY MY MORTGAGE FOR THE ENTIRE YEAR OF XXXX IN XXXX I MADE ARRANGEMENTS TO START PAYING MY MORTGAGE I STARTED MAKING ALMOST DOUBLE PAYMENTS FOR HALF OF THE YEAR TOTALING {$7600.00} WHILE ALSO REACHING OUT FOR HELP FROM DEO/HAF WHICH WAS {$12000.00} TOTALING {$19000.00} MY ORIGINAL PAYMENT WAS LESS THAN {$800.00} PER MONTH. I WAS SUCCESSFUL WITH BRINGING THE ACCOUNT CURRENT AND THEN IN XX/XX/XXXX I WAS SUPPOSED TO GO BACK TO TO PAYING LESS THAN {$800.00} PER MONTH TO SPS THEN I STARTED RECEIVING PAYMENT AMOUNTS FOR OVER {$1400.00} AND SPS COULDN'T TELL ME WHY. THEN IN XXXX I WAS TOLD BECAUSE XXXX DROPPED OFF I TOLD SPS TO DROP IT BACK ON AND THEY DID AND THEN MY PAYMENTS WENT BACK DOWN TO LESS THAN {$800.00} BUT IM STILL ON THE HOOK FOR OVER {$3000.00} IN ESCROW AND OVER {$2000.00} IN MORTGAGE PAYMENTS AND BECAUSE I WOULDN'T ACCEPT A REPAYMENT PLAN THAT WAS STILL OVER {$1800.00} PER MONTH FOR 12 MONTHS A LEIN HAS BEEN PLACED ON MY HOME. I HAVE BANK STATEMENTS WHERE I HAVE MADE THE NECESSARY PAYMENTS AS WELL AS A AWARED LETTER FRO DEO /HAF AS WELL AS DOCUMENTATION THAT XXXX NEVER DROPPED OFF AND ACTUALLY HAS BEEN PAID FOR XXXX AND XXXX AND NOW I HAVE TO XX/XX/XXXX TO COME UP WITH ALMOST {$6000.00} TO KEEP MY HOME I AM XXXX  AN D XXXX. PLEASE HELP
Consumer complaint received 2021-07-07
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. (PA)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. IND. XXXX ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now :
Consumer complaint received 2021-07-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (WA)

on XXXX XXXX i started a transaction with xoom.com ( XXXX ) on this day they withdrew {$20000.00} from my acount. As of today the transaction is in pending state and after 4 calls and 3 email conversations with them, nothing has changed. This transaction was supposed to be completed on the XXXX XXXX.