davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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 2022-12-21
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: IOWA STUDENT LOAN LIQUIDITY CORPORATION (OH)

I am a co-signer on a student loan with asc. They did not notify me that the co-signer was late. They also didnt credit the accounts full payment which is what made it more than 60 days late which is their error! It should not have ever been that late and if it is I expect them to notify me before hitting my credit. This is the third time their payment system has made an error, luckily I caught the others.
Consumer complaint received 2022-02-24
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. (WI)

In accordance with the Fair Credit Reporting Act convergent account number ( s ) ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, beginning with XXXX, beginning with XXXX, beginning with XXXX, beginning with XXXX, company XXXX  DBA Open-End XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX XXXX company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MI, XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 ; It also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-06
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. (TX)

I, XXXX XXXX never gave XXXX, EXPERIAN, or XXXX, any written consent to report anything on my consumer report. I sent a dispute letter to the agency over 2 months ago regarding account XXXX and they have failed to verify this account. The collection agency that is claiming that I owe an alleged debt to their agency is reporting a different balance from what I had with the original creditor XXXX XXXXXXXX XXXX. I have attached my last statement from XXXXXXXX XXXX XXXX to show the discrepancy. I will also attach my XXXX data breach claim id. I am requesting that the following unverified account is removed from my credit report within 10 days : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I transferred XXXX XXXX Amex rewards points ( XXXX and XXXX ) to XXXX XXXX XXXX account last XX/XX/XXXX. I got a confirmation message and it was deducted from my account. I waited until XX/XX/2022 but it still hasn't post to the XXXX XXXX account. I reached out to Amex to check on it and they opened a case. It's been XXXX now but still no resolution. 
I keep on calling to follow up but Amex just keep on saying that the case is still in process.
Consumer complaint received 2022-12-21
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. (NY)

I received a letter XXXX  from equifax in regards to my request for re-investigation sent off on XX/XX/2022 to remove an account that does not belong to me. Equifax has violated my rights to providing accurate reporting and proof of this account as mine nor did they provide anything. Credit reporting laws ensure that bureaus report only 100 % accurate credit information FCRA 611 ( a ) ( 6 ) and ( 7 ) and 15 U.S.C. Sec.1681i ( a ) states if proof is not provided the account disputed must be deleted. Equifax did not provide no documentations ( with my signature, ID, Agreement and ECT ) or evidence at all. as seen in the attachment. there was no effort put forth in this re-investigation.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

MY PERSONAL INFORMATION WAS STOLEN WHILE ATTENDING A XXXX  EVENT. I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED ACCOUNTS THAT ARE NOT MINE. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS. I HAVE NOT AUTHORIZED ANY OF THIS INFORMATION TO BE REPORTED TO MY PROFILE. I NOTICED SOMEONE HAS BEEN ATTEMPTING TO GAIN LINES OF CREDIT IN MY NAME. IVE CONTACTED THE CREDIT BUREAU TO NOTIFY THEM OF THIS ISSUE WITHOUT A FORMAL RESPONSE. 

I HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE REPORTED WHICH IS IN VIOLATION OF 15 USC 1681B FUTHERMORE, FURNISHING THIS INFORMATION TO MY PROFILE RESULTING IN IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681C-2
Consumer complaint received 2023-04-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Service International Corp (WI)

Dates : XX/XX/2023 XX/XX/2023 Credit Service International had attempted to take money from me twice. We had agreed on {$100.00} + {$3.00} fee every week for payment of my medical debt on Wednesdays. On Wednesday XX/XX/2023 they had taken the XXXX and then had attempted to charge me another {$100.00} but was declined due to insufficient funds. On Monday XX/XX/2023 they had also attempted to take {$100.00} showing that they're attempting to take extra money from me and more then what the terms I had signed and agreed to. They had also threatened that if I had missed a single payment that there would be grounds for garnishment. They were overall unpleasent and them attempting to take this extra money is stressing me out.
Consumer complaint received 2022-12-21
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. (RI)

I asked XXXX, transunion and XXXX to remove the inaccurate information which is XXXX and XXXX XXXX and they refuse to remove it.
Consumer complaint received 2022-12-02
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. (NE)

This is XXXX XXXX, and I appreciate you taking the time to delete some of the information in my credit file ; however, there are still items that need to be updated and corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be adjusted and corrected right away. 
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 2022-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MO)

Freedom Mortgage will not accept payments outside the current date window. This is the first lender I have seen do this in all the mortgages I have had over XXXX years. Example I am due for XX/XX/XXXX. I want to pay this payment today XX/XX/XXXX. I can only pay a principle reduction online. Or, I can send in a payment, Freedom Mortgage applies this as a principle reduction which I do not want and I have to call to have the payment applied as a regular payment. Allow customers to make payments as they see fit, stop trying to stretch debt out, or make it unfairly difficult to forward pay your mortgages you service. They have a payment button on the site, however when you click the button, if you are prepaid for that month you can only do a principal reduction unless I mail a check and then call to reallocate the payment. This is an unduly burdensome process for these times.
Consumer complaint received 2024-03-06
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)

in accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX  Account name : XXXX? XXXX Has 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

On XX/XX/XXXX I received a text message from Chime Bank ( my bank account ) stating that my phone on record had been changed to XXXX XXXX XXXX ( not my phone number ) and my email address had also been changed to an unknown address. I tried to notify Chime but I had been locked out due to the phone number and email change. By the time I was able to rectify and gain access again, {$1200.00} had been used to an unknown purchase ( XXXX XXXX ) in that amount. I told the bank that I did not make that payment and had to file a dispute that was denied a few days later. Yesterday XX/XX/2022 I re filed the dispute with Chime and am waiting for a response. The money that was taken was my direct deposit from the XXXX XXXX XXXX XXXX XXXX XXXX  that had come in on that exact date XX/XX/2022 I'm XXXX XXXX XXXX XXXX and need that money to pay bills, buy food, buy XXXX presents and to XXXX  until my next direct deposit, which I will be sending to another bank account. The same thing occurred on XX/XX/XXXX to me and {$1000.00} was taken from my Chime XXXX XXXX account. That was refunded by Chime a few days later. I really expected Chime to realize that the XX/XX/2022 theft would also be refunded. My suspicion is that the person/persons who did this is a Chime employee because they knew exactly what date my direct deposits came in. I live XXXX  and nobody else in the world knows that but myself and a Chime employee. Please advise. Thanks
Consumer complaint received 2022-12-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

None of the credit card companies I complained about in CFPB complaint numbers XXXX ( XXXX ) XXXX and XXXX ( Bank of America ) XXXX have provided me with copies of the documents the merchants submitted to the credit card companies relating to my disputes. As a cardholder who disputed charges related to said merchants, the cardholder has the right to view said documents and challenge their content as part of a discovery process, and to appeal credit card company decisions. This cardholders due process rights have been violated and as a consumers I deserve fair treatment. A consumers bill of rights which includes fair handling of credit card disputes is needed.
Consumer complaint received 2022-12-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (CO)

Sold our old home and closed XX/XX/XXXX. Our HELOC had a XXXX balance, but when we got to closing, we were informed it would cost {$2400.00} to close it. Title agent said shed never seen a fee that big in her career. 
When I got home I immediately called PNC to find out what the deal was. XXXX  said it was a BBVA doc and she couldnt find it. I said somebody found something to charge me {$2400.00}!? She said she would have a mangager call me in 24-48 hours ( never happened ), and she would have them pull a hard copy of the doc and have it sent to me ( never happened ). 
I finally get a call on XX/XX/XXXX saying the fees are legitimate due to the loan being closed within 2 years of opening, subjecting me to appraisal and closing costs that were initially waived. Lady said she would email me the HELOC doc. 
When I get the doc via email, it is the 8 pages going over how {$2400.00} is owed. They did not include the entire contract ( around 66 pages ), and definitely didnt include the addendum to the home equity line of credit explaining how the sale of the house is an exemption to these fees. 
I respond by attaching the section of the addendum that goes over the sale exclusion. 
Only then did I get a call back the next day from another lady, finally admitting they didnt include that part and she has now read it, and will try to start the process of a refund, but has no idea how long it will take
Consumer complaint received 2022-12-21
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. (GA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-12-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: RFNA, LP (SC)

I have paid the loan this loan. This was about a {$3000.00} loan. I have paid over {$6000.00} back with interests. I thought that this was over until I applied for a mortgage and it showed up that this account was in collection. A few days ago a recieved a settlement letter stated that they would settle the account for an additional {$1700.00}. That is robbery!
Consumer complaint received 2022-12-21
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (AZ)

Closed all my accounts, was supposed to be issued a check for {$54000.00}. At first told it hasn't been mailed than told it was mailed and cashed. I never received or signed for any check. Went to XXXX XXXX XXXX XXXXXXXX and told the XXXX  of the situation, Filed a Lost or stolen cashier check and declaration of lost and stolen check. Notarized. Sent it over and it wasn't enough. Went and got a police report that stated in surveillance it wasn't me and it wasn't enough. finally sent them proof of lost ID and they said it wasn't enough. Spoke with both XXXX and Escalations about this. 

This was back on XX/XX/XXXX and still isn't resolved as of XX/XX/XXXX
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (TN)

On XX/XX/2020, I request to OPT OUT of my information being shared. On XX/XX/XXXX, I received a letter from LexisNexis confirming the approve of my information being suppressed. It saded me to know you are still sharing my information and invoking my to privacy and reporting inaccurate information about me. As a consumer, I have a right to privacy and to OPT OUT OF SHARING MY INFORMATION TO 3RD PARTY VENDOR. 

ON A FUTHER REVIEW OF MY INFORMATION, THE INFORMATION ITS INACCURATE.
Consumer complaint received 2023-05-14
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. (MI)

In XXXX Of 2023 I Wrote Primary Creditor Via Mail Whom TransUnion Allegedly Received This Information From. Their Response Was They Do Not Report To Any Credit Bureaus, In Which I Forward Both Letters To TransUnion Via Mail. TransUnion Refuse To Accept Documentation As Proof That They Are Falsely Reporting & Violating My FCRA Rights, & Is Damaging My Credit. TransUnion Also Cant Provide Proof That They Contacted Anyone To Verify This Alleged Account! Attached Are My Letters I Wrote & Received Also TransUnion Response
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-07-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (LA)

I recently had to sue my insurance company for not paying out for damages in a timely manner. We finally settled and they issued a settlement check but put the mortgage company 's name on the check as well. Now the mortgage company, Freedom Mortgage, is not releasing all the funds to me. I keep explaining to them that this is a settlement check and not a check for repairs. They are insisting that I provided all sorts of additional documentation, including a home inspection inorder to release the funds. My attorney and myself have called multiple times and they will not release the full amount of my settlement check.
Consumer complaint received 2022-12-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

In XXXX of XXXX, I reached out to Wells Fargo, to work out a loan modification, because we were about to be unable to make our mortgage payments moving forward. They advised me that I did not qualify for a loan modification, because I was not behind on my payments. They then instructed me to make partial payments for 3 months, through a mortgage forbearance plan, in order to fall behind on payments, in order to qualify for a loan modification. We agreed and did what they instructed. Then, after the 3 months, they asked for us to catch up the full amount that we were behind, which we clearly could not afford to do so. They then began rotating me around so many representatives that all promised me that our loan was being reviewed for a loan modification, that it honestly made me lose sleep for months. What we did not know at the time, is that they were moving full steam ahead to foreclose on our home, and sell it at auction, which they did in XXXX of XXXX. I believe this is what is referred to as " dual tracking '' which is 100 % what happened to us. The speed at which they did this with, really caught us off guard, and was devastating. We wound up having to scramble to find a place to live and lost all of our down payment and money invested in improvements to the home, which was a significant amount. We dealt with Wells Fargo in good faith, but that was never reciprocated. We were plain and simply never offered a loan modification, which we had a right to. I made numerous attempts, even as recently as XXXX to correct this wrong, but Wells Fargo to this continues to act like what happened, really DID NOT happen. Please help make this right.