davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-23
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. (NJ)

I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX  shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX  is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : Balance : {$17000.00}.
Consumer complaint received 2023-12-22
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. (TX)

For the past few months I have been disputing inaccuracies on my credit report. Outdated and irrelevant accounts, accounts that have been paid in full but are still reporting a balance ( XXXX XXXX ), incorrect credit age, it should be recalculated because it is much higher, unauthorized credit inquiries and fraudulent late payments being reported. XXXX XXXX XXXX ( b ) Timing of payments specifically states that a creditor may not report payment as late on a XXXX XXXX account under an open ended credit plan unless they have adopted reasonable procedures to ensure that periodic statements have timely been sent to the consumer within 21 days of the billing date. I have continuously asked for proof from the CRAs and creditors alike to provide this information. They can not provide proof that they have sent periodic statements for the accounts that they continue to report derogatory late payments to. It needs to be corrected. Equifax specifically is reporting to accounts twice, negatively affecting my report and ability to obtain credit. The inaccuracies need to be corrected.
Consumer complaint received 2023-06-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GOLDMAN SACHS BANK USA (GA)

XXXX XXXX built a sunroom that did not meet the drawings or promises made by the salesperson in my room. The room they built is not insulated as I was promised, it is not waterproof ( leaked first storm ) and continues to leak ; the tar is dripping down onto the flooring I installed. 
And the tar is dripping down outside. The foundation is now revealed due to bad placement of drain. I had foundation inspectors to review the foundation. They stated it was sloppy foundational work and poor drainage layout. The room is burning hot in the summer and freezing cold in the winter. The heating and cooling unit they put in the room causes sky high energy bills due to non-insulated room. I was promised an insulated and energy-saving addition to my home for over $ XXXX. It is not worth {$4200.00}. Since XXXX XXXX was paid by Greensky immediately, they had no reason to come back and fix their work or be held accountable. I am a XXXX and very distraught. I feel like bulldozing this structure dow. I do not want this to happen to any other person. And when I contacted a lawyer, they told it was useless. I stopped paying some time back. I They did a bait and switch. Again, no accountability. They keep sending me the same marketing XXXX in the mail and I shred it.
Consumer complaint received 2022-12-23
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. (NC)

According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are 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
Consumer complaint received 2022-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current (WA)

I was frustrated with Current 's late interest payment. I contacted Current customer service and was provided complaint Reference ID XXXX. I was also told that to file a complaint I should email XXXX. I'm attaching an email of the auto response when I emailed my complaint to the email provided from their own customer service in this chat. In short, it bounced back. Why did they provide me an email address for my formal complaint which just bounces back? I'm filing this complaint as apparently Current didn't want to accept my complaint through the email they provided for formal complaints.
Consumer complaint received 2022-12-23
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. (OH)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-27
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. (IN)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX   XXXX {$720.00}
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Credit Karma (CA)

I was on the Credit Karma website and saw that my chances of applying for a XXXX XXXX XXXX XXXX with XXXX annual fees was good so I applied at the end of the application. When I hit done it sent me back to the beginning to begin the application again I do not know if the application Went through. I did not receive any email or text notifications that there was an application. I called XXXX  XXXX and they said that they had no information that I had applied for a credit card. They used my Social Security number to look for it since I inputted my information I have received dozens of calls from across the United States, there is a brief message left that only states select an option and then it hangs up. I received one call from a gentleman who said that he could not offer me a cash offer at this time. I called and inquired what this was about and he said that there was a request made to sell a property in my name with my information but that when he checked the property address did not match my name oddly the address was only a few doors down from my actual address and now Im here. Im going to report tomorrow morning to my local police department.
Consumer complaint received 2023-01-24
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. (FL)

I am reviewing my consumer credit file and noticed a fraudulent unverified account on there by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, reporting this fraudulent information is extortion. I demand you verify the credit transaction that was made with me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to furnish this information on my credit file. Failure to verify that a Credit transaction was made between me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shall constitute fraud , extortion, blackmail to embezzle labor out of me the consumer which violates 42 U.S.C 1994. And constitute a violation of 15 USC 1692 ( j ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. Furthermore I believe you have 4 business days after receipt of this Notice to remove this fraudulent account from my consumer report, and cease and desist all communication through any mediums including credit reporting agencies after receipt of this notice as required by federal Law.
Consumer complaint received 2022-12-23
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: JPMORGAN CHASE & CO. (CA)

I am a small business owner. 
My Chase credit card terminal ( merchant services ) was stolen from my office at XXXX XXXX  on XX/XX/22. After finishing up with police and CSI for fingerprints, I called Chase merchant services to report that my terminal was stolen and asked them to de-activate my terminal and to stop any transactions from XXXX XXXX  that morning. I told the rep from Chase merchant services that all transaction from XXXX XXXX on XX/XX/22 were un-authorized. Do not dispersed that funds because they are unauthorized by the owner myself. The rep from Chase told me that since I called and reported this incident at XXXX XXXX on the same day, the funds from my account were not settled yet. So that Chase was able to stop the transactions from the criminals. ( The rep told me that from XXXX to XXXXXXXX XXXX, there were 25 refunds and charge-backs back to some unknown accounts and stolen credit cards ). However, the next day, those criminally acted refunds and chargebacks were still dispersed into those criminals ' accounts. My checking account which linked to Chase XXXX terminal ( merchant services ) was wiped out clean 24 hours later. I lost all of my savings just like that. I contacted Chase several times, informed them that those were un-usual activities and large amount of money per transaction that I had never done before for the past 5 years that I have done business with Chase. Chase should have noticed those un-usual activities and contacted me before Chase dispersed those un-authorized funds to those criminals. All Chase reps said was that they can't do anything to help. 
Chase reps and bankers all are aware oXXXX XXXX  of their terminals being stolen every year. And police department of CA all are aware of this type of criminal activity of just stealing credit card terminals from small business owners. Thousands of small businesses owners being hurt by this and big bank like Chase are not doing anything to even stop or trace those un-authorized funds. Please help me and help those small business owners who are doing their part of running a business, pay taxes and trusting their hard-earned money to big bank like Chase. And all I heard from Chase was Chase can't do anything about it. Chase owned and engineered those XXXX terminals that I trusted to use them. But at the end, that terminal that I bought from Chase wiped-out my life savings.
Consumer complaint received 2023-01-24
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)

Hello, on XX/XX/XXXX I was notified by a potential company that I was obtaining a loan from that I had a collection on my credit report. I proceeded to check my credit and notice that XXXX XXXX the debt collection agency for XXXX XXXX placed a {$460.00} collection on my credit. The account was opened fraudulent on XX/XX/XXXX and closed on XX/XX/XXXX. I DID NOT OPEN A CELL PHONE WITH THIS COMPANY. I LIVE IN GEORGIA AND THIS COMPANY DOES NOT OPERATE IN MY STATE. I HAVE AND HAD PHONE SERVICE WITH ANOTHER PROVIDER FOR YEARS. THIS FRAUDULENT ACCOUNT IS HARMING MY FAMILY AND MYSELF. I HAVE REPORTED THIS FRAUD TO THE FTC ( report # XXXX ), the XXXX AND THE ATTORNEY GENERAL. THIS IS PREVENTING ME FROM MOVING FORWARD WITH MY LOAN PROCESS.
Consumer complaint received 2023-12-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BARCLAYS BANK DELAWARE (GA)

I have a credit card with Barclays - Wyndham rewards Visa card. I called them on XX/XX/XXXX to let them know I was going through a difficult financial situation. I asked them to lower my minimum monthly payment. On XX/XX/XXXX, they let me know my payment plan was approved under the name " XXXX XXXX XXXX, '' my new payment will be a {$190.00} minimum payment on the XXXX of every month. I made the first payment under this plan on XX/XX/XXXX. Since that date, I have been paying {$190.00} every XXXX of the month. However, they have been acting weird since then. At the beginning of XXXX, they called me and said I had to make the monthly payment, but I explained that I was in an XXXX payment plan. They told me my plan was canceled for lack of payment, although my payment was not due until almost the end of the month. They told me they would re-activate the payment plan again to start over. I didn't know why they did that, and it was a bizarre situation. Since XXXX, they have been reporting my account to the credit bureaus, so I have received emails saying my Barclays account has been impacted negatively. They have been calling since then repeatedly, almost every single day every month, to remind me about my payment. In the last XXXX months, I told them I already had a payment plan, but they said they didn't see it in their system, so after checking for a few minutes, they told me they found the info. Every time they call me, I answer the phone, but the call hangs up. I feel like this company is doing something wrong, and they are harassing me with their phone calls or hanging up every time I answer. I don't feel it is fair to keep paying a company that doesn't respect their terms, ignoring what was agreed, and harassing customers with phone calls for no reason. I ask you to investigate and help me with this situation since I am doing what is right, but they are acting abusively against me.
Consumer complaint received 2018-04-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

For the second time now Carrington Mortgage has come through on my bank account 2 days earlier ( agreement date is the 16th of every month ) then our agreed upon date. Causing overdrafts as well as locking up my account. Their document, which I have attached is by Carrington, clearly states the money will never be drafted prior to date submitted on AHCAuthorization form, XXXX : //www.carringtonms.com/XXXX-ACHAuthorization.pdf Per Carrington 's agreement form : " Once your Automatic Payments have begun, your payment will not be debited prior to the dates you selected on the authorization form. However, payments may periodically be delayed by weekends, holidays or administrative interruptions. You understand that CMS will continue to debit my account for the full term of your note or until you provide notice that you wish to cancel automatic payments ''. 

I called them the first time this happened and they assured me they'd correct it but they did not. I called bank this morning and they told me they have nothing to do with the date the payment is withdrawn and if it's withdrawn early ; it is because the mortgage company sent it early. *Bank Statement on XX/XX/18 attached and shows overdrawn status.
Consumer complaint received 2022-12-23
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. (LA)

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 Balance : {$1300.00} ; XXXX XXXX XXXXXXXX Balance : {$8500.00}
Consumer complaint received 2023-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (VA)

Prior to XX/XX/XXXX, our escrow amount was about XXXX to pay property tax of XXXX for the year and home ins. Mortgage company conducted an Escrow Analysis on XXXX and recorded our " Last 12 months '' of property tax as XXXX. That is false. Our property tax was {$3800.00} and paid by mortgage company for that amount. The projected amount for the next XXXX  months ( property. Tax ) is {$4200.00}. They have created a larger jump I'm tax difference so they can claim we have a shortage, thus, increase our monthly escrow amount. Our escrow amount is now $ XXXX! I have talked with Mortgage company XXXX, XXXX XXXX, XXXX to alert them of the fraudulent figure and challenge the analysis. They ran circles around the point, claimed there is a shortage, failed to admit their own escrow analysis was faulty based off the " last XXXX  month tax '' and only focused on the increase in tax. They are not furnishing the correct XXXX tax amount in their Analysis and are ignoring the issue.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX pulled an inquiry on my credit report on XX/XX/2020 from Experian. I requested a copy of that report pulled by XXXX XXXX and they were not able to provide that exact copy. 

I've requested these copies directly from XXXX XXXX and directly from Experian and have not provided me the documents to review my report. 

I requested a copy for the following dates : XX/XX/2020 and XX/XX/2020.