davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2023-08-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Union Home Mortgage Corp (WV)

Closed on home loan XX/XX/2022. Borrowed {$400000.00} of a {$500000.00} purchase. This home was purchased of XXXX XXXX, XXXX, a coal mining company with several disclosures and deed verbiage added. We were failed by our real estate agent who didn't explain to use what these disclosure meant to the future value and ability to sell the property. He failed to educate us on the mine subsidence insurance about since we were releasing the coal mine from liability. The underwriter from the bank should have never allowed this loan to go through. Now we have {$100000.00} plus closing costs into the home, {$75000.00} in renovations performed to the home in the year since purchase and find out the insurance is only {$200000.00} for subsidence in WV. We were out of state buyers. I would have never purchased a home for this price had I known we were going to LOOSE all our investment and it not be worth what we owe on it just 2 years later. There was a planned mining date at closing known to the underwriter and loan team. No one from the bank brought this huge issue to our attention, allowing the loan to go through and us to be soon stuck with a home not worth what we paid or owe on. This isn't about the real estate market, it's about known future damage that was to come. We purchased this home as an investment with intentions to sell in 3-5 years and build on family land 15 mins away. Now we don't know where we are going to live when this house is beyond repairable from mining damage. We were at our max budget to begin with and can't afford to buy another home. This risk of foreclosure on this property is high and were in plain sight ; not to be since I didn't know the subsidence cap. I just can't seem to understand why a bank would loan this amount of money on a property with no rights and known drill date when there wasn't enough insurance coverage to cover damages that are likely to occur leaving us with an huge debt and uninhabitable home potentially. We barely qualified for this home to begin with, how are we suppose to afford repairs? With current costs, it would cost close to {>= $1,000,000} to rebuilt the home, pool, pool house, stone walls, garage and shop. We are talking about 4 structures! Our home has a large, full basement providing a high chance of damage. The exterior is stone and stucco. The structure is over XXXX sqft. There is a large all glass sunroom off the back of the home with basement living under it.
Consumer complaint received 2023-06-06
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX - XXXXXXXX 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 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (GA)

Citi Card is engaged in fraudulent and deceptive pattern in charging fees and interest -- even after full payment is done way before the due date. While paying on-line, the following statement appears in their payment tab : A. " This is remaining amount owed to satisfy your last statement balance. '' {$41.00} Ex " 3. '' B. The last statement balance was {$63.00}. Ex " 2. '' C : If we do not pay statement balance of {$63.00}, Citi card charges fees and interest.

D : When we tried to pay {$63.00}, Citi Card stated : " That payment is too large. You can only pay your current statement balance plus 7.5 % which is {$44.00} '' See Ex " 3. '' C : See Ex " 1 '' for current balance.

Citi Card was told about this problem but they ignored everything in past. This is FRAUD ; and done with criminal intent to deceive. A class action suit is needed against Citi Card. 

We do not want any phone calls from Citi card. They must respond in writing by email. 

Submitted by XXXX XXXX
Consumer complaint received 2023-07-25
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. (TN)

This is my 2nd 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 items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY 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 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 2020-03-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (NC)

On the morning of XX/XX/2020, a wire transfer to my domestic Chase Bank checking account was initiated from another domestic account from XXXX XXXX. This should have been an immediate funds availability transaction. However, nearly three days later and the funds have not posted to my Chase checking account. 

The sender 's financial institution ( XXXX ) confirmed that the wire was sent successfully and Chase has stated that this wire had been returned to XXXX. As of today, there is no proof from XXXX that these funds were returned to the sender. Chase can not explain what happened to these funds or why it is not in my account. Essentially, these are missing funds and need to be reported to the proper authorities.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

The following inquiries were to be removed after 2 years yet they are still reporting. Please remove the following inquiries immediately : XXXX XX/XX/2021, XXXX XX/XX/2021
Consumer complaint received 2023-07-25
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 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 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 2023-07-25
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXXXXXX 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 XXXXXXXX
Consumer complaint received 2022-10-21
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. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-10-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (TX)

To Whom this may concern, The wire transfers that occurred between me and XXXX XXXX was for a business transaction. He portrayed himself to be part of an elite group called the XXXX and that was not the case. I have tried to email and contact the individual for some time now with no results. I would like for this individual to not me able to scam anyone else as I have been and please do not allow this individual to send any more wires in the future. 

I was not aware of this beforehand or I would have not conducted business with the individual. 

The wire total XXXX plus, and since I am protected by the CFPB and also the FDIC I would like to resolve the issue as soon as possible. 
Also note that the account in which the fund was pulled out is no longer an account with navy federal due to another
Consumer complaint received 2022-10-28
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. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I am a Citizens bank customer with an open and active checking account. On today on Monday XXXX XXXX at around XXXX XXXX I went inside of the local branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX to withdrawal cash from my account. After providing proper identification, debit card, and PIN number requested to make a cash withdrawal and the manager told me that my account was frozen and on hold. The bank teller and the manager denied me access to withdrawal my own money out of my account. He also stated that I was not allowed to use the ATM to access my account or funds either because of a " hard hold '' that was placed on my account by his " back office '' and asked me to leave because there was nothing that he could do to help me. When I asked why was my account placed on hold he said it was because a cashiers check that was deposited could not be verified although i was already aware that it was verified and cleared because I witnessed the verification done at another branch just 2 days prior. ) After contacting Citizens customer service just minutes after I was refused access to my funds and account a representative confirmed that there was never a hold on my account whatsoever neither was there ever a hold on my funds. I was lied to and manipulated. I was also able to withdrawal funds from the ATM after being told by the manager that I was not allowed to because of this hold which also confirms that I was lied to. With no probable cause or probable reason to suspect fraud or suspicious activity on my account I was denied access to my account and funds. I believe that I was racially profiled, discriminated against and treated by prejudice discretion. I was not allowed to access my own money that it is rightfully mine and that Im legitimately entitled to instead I was lied to, discriminated against, providing false information, manipulated, and treated unfairly by the employees and manager at this branch. Because of this I am now facing extremely difficult circumstances. This branch denied me access to my account and funds and manipulated me.
Consumer complaint received 2018-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

Hello, In 2010 I XXXX  from college and began repaying my student loans. I had federal loans which were consolidated into one subsidized and one unsubsidized. Some payments went into deferment while I was getting my XXXX XXXX XXXX. About 2 years ago, after Navient had become the servicer of these loans, when the loans came out of deferment and I began making payments for all I applied and received approval for an income based repayment plan which also included a 10 year debt forgiveness component because I am working for a XXXX XXXX. I setup monthly automatic payments to be taken out of my checking account. These payments came put monthly without any problem for a good amount of time, I would estimate a year or more. Strangely, without any notice from Navient, and with no indication that it had do to with any issue from my bank, these automatic payments which were setup through navient simply STOPPED. I did not know they had stopped, I did not receive any word that my payments were not being collected, not even any warnings. They have simply stopped collected payments from me. While on my end, in the short term this seemed like a good thing because no one was asking me to pay, in the big picture this hurts me because I believe that it sets back the 10 year timeline of debt forgiveness that by now I should be 2 or 3 years into, through no fault of my own, and through Navients failure to even tell me that I was not paying them. In the business of my schedule as a XXXX   and a father, I have only tried once to find out why the auto payments stopped and to reinstate these payments, but I was not able to get a solution. I am going to make another attempt. But I can't help but wondering if this is related to the larger issues I am seeing in which Navient has received serious allegations for innapropriately handling their business. Is it worth looking more into for this situation, should I pursue further action? Or is my situation not one that would be eligible for correcting? Thank you for your time!
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$9700.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX Balance Owed : {$9900.00} XXXX XXXX XXXX  Balance Owed : {$96.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$170.00} 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 2023-07-25
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. (KY)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported XXXX XX/XX/XXXX Reference # : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-05
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$950.00} XXXX XXXX Balance : {$950.00}
Consumer complaint received 2022-10-21
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. (TX)

I am writing this as a formal complaint against TransUnion for not investigating and removing the errors and inaccuracies from my credit report. Transunion has violated my privacy and my rights under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Under the FCRA, unverified accounts must be removed unless they are able to provide me a copy of verifiable proof which they have yet to do after multiple requests. Please see my attached disputes previously sent to Transunion and help me get these resolved. 

XXXX XXXX XXXX - Multiple variances and inaccuracies as noted below : Date of Last Activity : TransUnion XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. 
Date Reported : TransUnion XXXX, XXXX XXXX, XXXX XXXX Date Opened XXXX TransUnion XXXX XXXX XXXX but XXXX shows XX/XX/XXXX. 
Account status : Transuion shows opened, XXXX  and XXXX show closed. 

See attached for more information on this account but it is inaccurate and needs to be deleted from my credit profile, much less, I have no idea what this is and if it truly belongs to me because Transunion hasn't proven it. 

XXXX XXXX - XXXX - this is a HIPAA violation. I did not give XXXX XXXX permission to share my information with anyone. Plus they are reporting several inaccurcies : Date of Last Activity : Transunion XXXX XXXX Shows XX/XX/XXXX XXXX shows XX/XX/XXXX. 
Date Reported : Transuion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX, XXXX shows XX/XX/XXXX. 
Date Opened : Transunion XXXX, XXXX shows XX/XX/XXXX, XXXX shows XX/XX/XXXX. 

These are clear violations of Metro 2 standards. Please help me get these removed from my credit reports.