davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-30
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: TFS FINANCIAL CORPORATION (OH)

XXXX    XXXX    Third Federal i n  XXXX , oh presented a mortgage program called  Home Today  and they hire third party to come and teach the class who are scams to me. I went and wanted to know what this program was all about. I was not disappointed by any means. So, I went to the program a month which was every Tuesday at from  XXXX  to about  XXXX  and it was a joke ; yes they gave us food what a joke. But the pathetic part was when I went to counseling session with  XXXX   XXXX  with this program called  XXXX  and it was a joke the place was filthy and smelled and the lady would wonder in late telling me about her personal life her grand is sick. Okay, but that was not my concern and every time she had a scheme going on. Oh if you go to this bank and put in a  XXXX  dollars to build my credit and take it out in  two or three da ys but she did not tell me the full truth. I take it out but I would have to pay on the money I put in. How insane was that. Then she wanted me to try this guy okay gave it a shot he was a joke. He wanted me to give him my bank statement and have a conference call with student loan. At this point it became clear he was a wannabee. He wanted me to call the student loan so he could have a conference call and it was not happening. I told him if the she the manager does not believe you it 's useless. I  XXXX  at  XXXX  and told her I do n't trust him. I had to call  XXXX   XXXX  at third federal and tried to explain to her obviously she did not care and thought what this  XXXX  valentine has sad was true. This program is a farce and should not continue to go on. They denied one because I did not go with whatever they told me and they wanted me to be used as a simpleton or a puppet on a string.
Consumer complaint received 2023-01-08
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: EQUIFAX, INC. (MI)

XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX To Whom IT May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatante and objectionable disregard of the law. 

As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.

Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. XXXX XXXX XXXX ), you may be liable for your willful noncompliance.

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : I. ) Record type : XXXX XXXX XXXX XXXXXXXX - Reference number : XXXX XXXX. ) Account name : XXXX XXXX XXXX - Account number : XXXX XXXX. ) Account Type : Collection - Account number : XXXX If you do not immediately remove this fraudulent and incomplete information, I will file am additional complaint with the Federal Trade Commission. 

Should you continue to operate with complete disregard for the law, I intend to seek redress in civil action for recovery of damages, costs, and attorney fees. For this purpose I am carefully documenting these events, including the lack of response REQUIRED under law from you. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you had 30 dayz to complete your re-investigation, yet you have failed to respond. Further delays are inexcusable. 

Be advised that the description of the procedure used to determine the accuracy and. completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NY)

I have been getting rejected to lot of checking accounts and not giving me a reason why I shouldnt open an account can you please help me find out why Im unable to open an checking account, please help me so I can open an checking account i just came here to America I dont if I did something wrong or not and I heard about people scamming I dont if someone is been using my information or not.
Consumer complaint received 2023-03-04
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. (NY)

Repetitive payment history continues to be displayed as inaccurately reporting on numerous accounts I have reached out to XXXX with no deletion There's ( 3 ) days ( 2 ) 60 days, then a closed account after payment. I would think this would be a good reason to dispute because it's inaccurate. You can only be 60 days, 90 days, or 180 days late once in a row I want all XXXX XXXX accounts removed from all three credit bureaus immediately
Consumer complaint received 2017-05-10
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. (NC)

I normally monitor my credit through   XXXX   XXXX  ,   XXXX   XXXX   XXXX   and now   XXXX   XXXX  . I noticed that there was a social security, address, na me ( s ) linked to my credit that were not mines. After speaking directly to the credit reporting agencies they removed the social along with the address. However,   XXXX   of the names remained on my credit. The agency explained that they were unable to remove the name because it was linked to a account and I will need to contact them directly. After contacting one of the companies I brought up my complaint and their response was " the account is to old to do anything and it should come off soon anyways '' but like I explained its showing as a bad report. Plus the card was closed and re-opend under a different name. She stated there was nothing they can do about it! And to this day I still have   XXXX   different names linked to my credit report under personal information incorrectly! The only thing that changed was my maiden name! In my credit report and apparently linked to my account ( s ) And also I am unable to pull my credit report directly from Equifax because its unable to verify my identity. Please I need someone to fix my problem. I already filled a complaint for the credit card agency. But I was this problem resolved on my credit report.
Consumer complaint received 2024-03-06
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to address a matter of utmost urgency regarding my credit report. Upon reviewing my credit history, I was shocked to discover the presence of a fraudulent account that does not belong to me. This unauthorized account has tarnished my creditworthiness and poses a significant threat to my financial well-being. XXXX XXXX
Consumer complaint received 2023-01-23
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: EQUIFAX, INC. (PA)

I am writing to delete and correct the following information in my file. I HAVE REACHED OUT NUMEROUS TIMES PERTAINING THIS MATTER IN THE PAST FEW MONTHS!!! XXXX, XXXX AND EQUIFAX ARE REPORTING INACCURATE AND INCOMPLETE CREDIT INFORMATION ON MY CREDIT REPORT. ACCORDING TO TH FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), YOU ARE REQUIRED BY LAW TO VERIFY, THROUGH THE PHYSICAL VERIFICATION THE ORIGINAL SIGNED CONSUMER CONTRACT, ANY AND ALL ACCOUNTS THAT YOU REPORT ON A CREDIT PROFIL. OTHERWISE ANYONE PAYING FOR YOUR REPORTING SERVICES COUL FAX, MAIL, OR EMAIL IN A FRAUDULENT ACCOUNT. 

I demand to see verifiable proof ( i.e : and original consumer contract with my signature on it ) that you have on file for the accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 
I demand that the following accounts be verified or removed IMMEDIATELY!
Consumer complaint received 2021-02-06
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. (TN)

Hi, my name is XXXX XXXX and all three bureaus are reporting my address as New York I have never lived in New York ever. Please delete this address off of my report. I have been a victim of identity theft in the past. My address is XXXX XXXX XXXX XXXX, XXXX TN XXXX, Thank you.
Consumer complaint received 2016-12-15
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: NPS GROUP (AL)

My family members have been receiving phone calls from a company referred to as NPS Group inquring about my whereabouts. When XXXX of my relatives attempted to retrieve additional information about the debt and the company they were representing, they hung up on her. They have attempted to call me as well, leaving threatening messages on my phone but I have no idea who they are or who they are supposedly attempting to collect a debt on behalf of as I have a recently discharged chapter XXXX bankruptcy and even prior to the filing bankruptcy, I was not receiving debt collection calls of any sort.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed my consumer reports and noticed I had XXXX late payments on a account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuravy. I have never been late on payments for the accounts that i have included in the screenshot inside this complaint in on dates [ XX/XX/year> ] and [ XX/XX/year> ]. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact that i was never late on these stated payments. Thank you so much! Please see the screen shots attached.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP (CA)

On XXXX XXXX, 2023, I had a credit balance of {$1200.00} on my US Bank Credit Card ending in XXXX. On that same day, I requested US Bank to send me a check for the balance. 

On XXXX XXXX, 2023, I called US Bank customer service that I still had not received my check. They told me to wait 2 whole weeks for the check. 

Today is currently XXXX XXXX, 2023, two whole weeks since I requested the check and I still have not received it yet.
Consumer complaint received 2023-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NC)

I have a citi bank account and after making a coupling of transactions I was blocked from using the account. Now when I call them Im being told that I need to have access to an old phone number that I no longer have and have not had for over a year now. The only other option Im giving is to wait on a letter but Ive been locked out of my account for over two weeks now and this is unacceptable. Its very strange that they would allow someone who has my old phone number access to all my banking information and personal details.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (VA)

I submitted disputes with XXXX and XXXX and both were closed. I have a XXXX balance as I paid off my mortgage with chase nearly a month ago. It is still on my credit report with a balance.
Consumer complaint received 2023-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

We attempted to get a card through the referral procees but had lot of issues. We even called in and received Wrong Information which caused us to open the wrong card because the link was wrong. I called multiple times to try to resolve capital one sent us in circles then asked for us to reply and we couldn't get the card based on the wrong information we received the first time. If we were not deceived or told wrong things on our first card we wouldn't have been declined. But due to the wrong information we applied for the wrong card and that interfered with the Ventura x card.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-22
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: DISCOVER BANK (TX)

On XX/XX/XXXX, I purchased a new camera, figured new xmas gift for myself a bit early. It was set to arrive on XX/XX/XXXX, tracking says package is delivered - I get home and nothing is there. I chat into the support team and they tell me to wait 24 hours and chat back if nothing is there still. So In figure yeah, maybe it was just marked delivered on accident so I continue to wait the 24 hours. On the XXXX, since the support team told me to wait 24 hours as the package may arrive then, I decided to also purchase the gimbal kit I was looking at so they would arrive the same day. 

XX/XX/XXXX comes along, gimbal package is marked as delivered - I get home and nothing is there. At this point I assume they were snatched from my porch ( I live alone, no one else was there at the time to bring them inside. ) I chat into the support team again and they say they started the process for refunding both items and I just need to wait for confirmation emails at this point. So I wait for the confirmation emails and they eventually come in - now its a waiting game for the refunds to apply so I can just go into the store and buy them there instead of worrying about a porch pirate again. 

Then today on XX/XX/XXXX, I get two emails ( one for each of the packages ) saying that the investigation was complete and they're unable to provide any refund or replacement. So what am I supposed to do at this point as I've spent the money and didn't get the items, as they were stolen? The tracking on the packages even shows that a signature wasn't required. Absolutely insane for such an expensive item.
Consumer complaint received 2023-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CT)

XX/XX/XXXX - I made a payment to XXXX XXXX XXXX XXXX to pay the balance in full, {$96.00}. This payment was done through my banks pay bills feature XX/XX/XXXX - XXXX XXXX  cut a check mailing the payment back to me, with a note that the account had a XXXX balance. 
XX/XX/XXXX - I cashed the check and went to the XXXX XXXX  portal and made the payment again. I then messaged them and asked that the late fees and penalty be removed. They argued that they never received the the first payment. I sent them my bank 's confirmation that the payment went through and a copy of the check they cut sending the money back and again asked that the fees and interest be removed. 
XX/XX/XXXX- Not having heard from them I checked the account and they removed the fees and interest. They also put a credit on the account for the {$96.00}. I messaged them and told them to remove the credit and close the account. 
XX/XX/XXXX - Comenity charged an old account ending # XXXX {$96.00} and left the credit on the original account ending # XXXX. 
XX/XX/XXXX - I mailed them a letter asking them to net the XXXX accounts and closed both of them. 
XX/XX/XXXX - I received a letter saying they closed the account ending # XXXX, but nothing about account ending # XXXX XX/XX/XXXX - I received a statement for account ending # XXXX, showing late fees and interest. 
XX/XX/XXXX - I called and spoke to XXXX. I was told everything was closed and he would sent a letter showing both accounts closed. He sent a letter showing only Account ending XXXX was closed. 
XX/XX/XXXX- received a check again returning the payment back to me. This check has not been cashed. 
XX/XX/XXXX - I received another statement showing additional late fees and interest. I fined a XXXX XXXX XXXX complaint that they have not responded to. I am now receiving statements monthly with additional fees and interest
Consumer complaint received 2023-01-27
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I file a dispute with Capital One Auto and the 3 reporting bureaus and did not received a timely response after multiple letters I sent I got a response that that a remark was placed on my credit. I was not provided with clear evidence of method of validation with regards to Capital One Auto. They are reporting past the 7 year SOL and have inaccurate factual/errors and have not removed from credit report as required under the FCRA law and within the required time frame.
Consumer complaint received 2022-11-26
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. (GA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate.

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research.

In accordance with the Fair Reporting Act XXXX XXXX XXXX and XXXX XXXX have violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2023-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices.
Consumer complaint received 2023-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please delete these inquiries from my credit report as I did not authorize them. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

In XXXX the original creditors, of these debt collection agencies were made aware that the accounts were fraudulent due to identity theft. They were open and used without my knowledge. Once I found out about them I made a police report, as well as an FTC report. The original creditors stopped trying to collect the debt after they were made aware of this through the credit bureaus as well as me, providing them with a police report and an FTC report. These Debt collection agencies seek to collect the debt that was originally discharged as identity theft. As of XX/XX/XXXX, these debt collection agencies have also been made aware of the identity theft, and have been provided with the supporting documents.
Consumer complaint received 2023-01-07
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: EQUIFAX, INC. (MN)

I had online accounts setup with Equifax, XXXX, XXXX, and XXXX to login and check my credit reports which I have not done for several years. I have a freeze on all these accounts. I tried to check the status of each of the XXXX with the online usernames and passwords we had setup. Today I found out than none of the logins I had established work now. None of these companies ever notified me that my login was XXXX. If I desire to make a large purchase and need to temporarily unfreeze the my accounts, I have no way to contact these companies because my logins are shot. I can find no way to write to the companies to correct these problems that they made. The only thing they offer for help is a phone number which leads to an endless que to waste my time with each XXXX of these outfits which I refuse to accept. THEY CAUSED THIS PROBLEM, YET I'M SUPPOSED TO WASTE UNKNOWN HOURS TO GET THIS FIXED. Why are their online security setups so messed up that they can not maintain a login online? This is unacceptable.