davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
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. (TX)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-01-09
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (TX)

My company is about my reliacard I try using it at the store and decline never had a problem with it till now the USBANK put a block on my card for a address change that on my ID that they have on file some address it been going on for 2 1/2 week now they told me send them a picture of my ID and picture of me.so I did and it only suppos to take 1 to 2 business day it's been 2 1/2 week I half to pay my Bills I call them everyday and they give me the something every day that they have to review my pictures so I send them one everyday and nothing I was getting at yall to see if yall can help me to unlock my card please. And I was looking at the bank reviews and there all bad that the bank put a hold on there card and took there money I'm asking for some help
Consumer complaint received 2024-05-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (WV)

I contacted them and informed them that Im a victim of identity theft and fraud and provided all the documents required to them but they have refused to remove my name from this account and notifie the credit bureaus that this is not my account and have refused to do anything about it
Consumer complaint received 2023-04-12
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. (TX)

I, XXXX XXXX did not provide the credit reporting agencies with written permission to report any of these accounts and I am requesting the removal of the accounts listed below, from my credit reports. That is a violation of 15 U.S. Code 1681b ( a ) ( 2 ).

I did not provide the company reporting any of these accounts with consent to share my credit card ( ID, SSN, etc ) with another entity ( the credit reporting agency ) This is a violation of 15 U.S. Code 1681s-2.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I was alerted by Experian my mortgage balance increased by {$5000.00}. I purchased my home in XXXX of XXXX. After my down payments etc ... my mortgage balance is {$330000.00}. This was being reported to the credit bureaus, until around XX/XX/XXXX, when I received a credit alert my mortgage balance increased by {$5000.00}. I began making the classes to Experian and to our current mortgage servicer, XXXX ( XXXX XXXX XXXX ) Experian states this information is coming from the mortgage holder. XXXX is not the mortgage holder, however they are my contact for discussing my mortgage. I called XXXX, and they are saying they are not reporting this increase to my credit report. They told me the county tax accessor must be reporting to the credit bureau. Today, XX/XX/XXXX, I placed a called to the tax accessor about my concerns. They expressed to me, they do not report to credit agencies. This brings me back to XXXX, who told me yesterday they are not reporting this {$5000.00} increase to my credit report. At this point, this is holding me up from being able to secure a line of equity to help us continue to rehab this dilapidated property. I watch my credit score closely to try and secure financing with the lowest interest rate possible. This situation continues to lower my score, while it's false reporting of information. I don't owe taxes until XXXX, for which I have already paid into my escrow account to cover these taxes, as this is what takes place when you purchase a home. Taxes are paid in the rears. The former owner of the home, ( a bank ) is responsible for the XXXX taxes for my property. XXXX XXXX XXXX, XXXX XXXX. This is my second complaint filing, as the first is when I discovered what has happened and no one can give me a straight answer. Mortgage Processor pointing the finger at the tax authority is absurd! The entire process for purchasing this home began with XXXX XXXX XXXX, when I caught them discriminating against me, as I have a XXXX last name. Had everything not been so stressful, while running a business I would have filed suit against XXXX XXXX XXXX. This is my husbands last name, as I am a XXXX, born and raised in the XXXX, cousins to XXXX XXXX the great XXXX of XXXX. I have never felt the feelings of discrimination until now as people assume I am XXXX. I need this false reporting to be fixed and I do not know where to turn.
Consumer complaint received 2023-09-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (LA)

In XXXX of XXXX  I totaled my car. XXXX, my insurance company handled the claim in the required 14 days. XXXX XXXX regional acceptance corporation a settlement check before my next car payment was due. They sent a letter through email telling to XXXX  they would release the title to them and consider the debt paid in full. XXXX decides to send them a gap payment in good faith and business acts. 

As XX/XX/XXXX regional has refused that payment 3 times. They keep calling me saying that Im 60 days behind on my car payments. I should not be behind on any car payments. They keep telling me that they will file this on my credit reports and it will look bad on me.
Consumer complaint received 2024-04-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mortgage Research Center, LLC (IL)

I recently received 80 % XXXX from the VA. The county I live in gives full property tax exemption for veterans who receive 70 % or more XXXX. I relayed this information along with supporting documents from the county to my Mortgage company. I asked them to please remove the property tax portion from my escrow account. This was sent to them on XX/XX/year>. On XX/XX/year> I received a letter from them that that they reviewed my account and that your taxes are partial exempt. They said once they get the tax bill ( which wouldn't be until XX/XX/year> ) then they would review my escrow. 

I was not satisfied with this because they were charging me money, {$910.00} a month, for my escrow account. Forcing me to pay money I did not have to ( Stealing ). On XX/XX/year> I sent additional documents that showed I owed {$0.00} for property taxes for the year. On XX/XX/year> I received another correspondence from my mortgage lender saying they have forwarded it to their tax department to verify and then will let me know. On XX/XX/year> I received another correspondence saying the same thing as the one before. 

Again, super frustrated and upset about paying a lot of money I was not supposed to be, I reached out again for them to review. This was on XX/XX/year>. I forwarded them a posted tax bill from my county website that showed I owed {$0.00}. I even broke down that my mortgage is {$1900.00} a month and escrow is {$910.00} a month. My hazard insurance is {$100.00} a month out of the {$910.00} escrow. With the property taxes removed from the escrow my new monthly mortgage should be {$1100.00} a month. 

on XX/XX/year> I received yet another correspondence advising that they cant complete my request. This is due to the face that my loan-to value-ratio ( XXXX ) is 92.1 % and not 80 % to cancel the escrow. ( I'm not trying to cancel my escrow just adjust it to remove my property taxes. I still have hazard insurance on my escrow account ) Beyond frustrated I called them and advised them this is not right, I feel like my money is being stolen and I'm forced to pay money I'm not supposed to. Basically was told I need to wait yet again on the tax bill to be sent to them from the county itself. 

This is beyond unacceptable. If I'm providing proof that I don't have to pay they are still making me pay money that I could be using to help with other bills and food. I feel like they are holding me hostage with my own money. For a company that is called XXXX XXXX, to treat a XXXX veteran like this is not okay.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-11-09
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (IA)

Someone has stolen my identify. I received an account statement to my address for a computer and accessories purchased in the amount of {$2800.00} on XX/XX/2023. The lender is Citibank and the retailer for the credit card is Best Buy. I did call Citibank and I they are opening up an investigation into the credit card that was opened in my name, without my consent and had a large purchase made. They have closed the account and put a future alert on their system to make sure I will be notified if anyone else tries to open up another credit card in my name. The direct phone to speak with Consumer Protection inside Citibank is XXXX. 

I then contacted all XXXX credit reporting bureaus and I have active disputes that they are looking into about these credit card and its purchase. I also alerted them to a hard inquiry with XXXX XXXX  as the lender and the retailer being XXXX XXXX XXXX XXXX. Someone did a hard inquiring but was denied the application being opened. The hard inquiry was completed on XX/XX/XXXX and the denial was put in place on XX/XX/XXXX. When speaking with a person at the Fraud Prevention Department with XXXX XXXX, they stated that everything on the application matched my exact information on the application. I was sent an application and needed to fill it out, but I never did complete the application, so it was denied because I did not complete the applicaiton. I do not remember ever contacting XXXX XXXX XXXX XXXX about trying to get a credit card or applying for a credit card. 

I am waiting on Citibank to do their investigation. XXXX also stated I will receive a letter confirming that my account was declined and that I will be alerted if anyone tries to inquire about opening up credit under my name with XXXX XXXX XXXX XXXX again. XXXX will send a letter within XXXX  days giving the result of the charge and credit card that is being disputed with Citibank. XXXX will conduct an investigation into the disputed charge. They also put a fraud alert on my account and froze my credit accounts. XXXX is also submitting a dispute for fraud and will send an email confirmation of the dispute with Citibank credit card as well. XXXX was the credit bureau that suggested I contact the ftc.gov, which led me to the CFPB, which is why I am completing a complaint here. 

I have not completed a police report, but plan to do that tomorrow.
Consumer complaint received 2023-11-09
Product: Credit reporting 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. (NC)

There are 28 credit inquiries that I have no knowledge of showing up on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-24
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/XXXX, at a Chase Bank in Georgia, I withdrew {$8000.00} from my chase checking account. I then used those funds to purchase a cashier 's check in the amount of {$8000.00}. Next to the purchase date, it reads VOID AFTER 7 YEARS. I was under the impression that it would be valid for 7 years, so I saved it for 5 years and 11 months. On XX/XX/XXXX, I went into a chase bank in XXXX, NC and tried to cash it. I was told by a bank employee named XXXX, that the check was not valid and could not be found in the system. Another employee XXXX, came to look at it. Both employees were unwilling to help and sent me out of the bank in tears, without any resolve. On Monday XX/XX/XXXX, I contacted and spoke to several chase customer service representatives. I was able to find out that chase canceled my cashier 's check and sent my {$8000.00} back to the state of Georgia, where I originally purchased it. The rep told me I had to contact the Georgia Dept of Revenue and request an unclaimed property search. I did so, also on XX/XX/XXXX. The XXXX  XXXX has not received any funds for an XXXX XXXX from chase bank. I then contacted Chase again. A different rep gave me an email to contact chase 's abandoned property department. I emailed them on XX/XX/XXXX, but still have not received any response from them. At the current moment chase has stolen/lost {$8000.00} of mine and my check is simply just a piece of paper. None of chase representatives have given me adequate assistance. I am reaching out in hopes that someone can please assist me. Thank you.
Consumer complaint received 2022-09-20
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. (MD)

This is not a duplicate complaint. I filed a complaint in regards to my XXXX XXXX XXXX XXXX ending # XXXX not a XXXX XXXX  account handled by XXXX. To date my complaint in regards To the XXXX XXXX XXXX XXXX ending # XXXX, has not been acknowledged by all parties. 

On or around XX/XX/2022, I filed a complaint with the CFPB against, XXXX, TransUnion and XXXX, XXXX for refusing to report my XXXX XXXX Preferred card ending account # XXXX. 

In my complaint I did not say XXXX XXXX credit card handled by XXXX I specifically wrote in my complaint that XXXX is refusing on report XXXX XXXX XXXX card ending account # XXXX. 

Instead of XXXX properly investigating the right account and acknowledging the core competences of my actual complaint file with CFPB in regards to my XXXX XXXX XXXX card, XXXX used another delay and fraudulent tactic by responding to CFPB with a different account with full knowledge this was the wrong in account in question further delaying reporting of a line of credit and history in good standing effectively lowering the credit scores of Americans of XXXX descent. 

On or round XX/XX/2022, I received my TransUnion, XXXX and XXXX credit report and noticed they are inaccurately reporting my XXXX XXXX XXXX card ending account # XXXX current open line of credit with excellent payment history as an account in dispute without payment history I have never contacted XXXX or the three credit bureaus and disputed XXXX XXXX XXXX card ending account # XXXX line of credit. In addition, XXXX refused to report any payment history for this account or current balance left this information blank effecting my debt to credit ratio, effectively impacting the credit score. I believe this reporting error is intention and designed to lower credit scores of Americans of XXXX descent. 

I want the CFPB to investigate this deceptive business practice and find out how many Americans of XXXX descent are being impacted by this deceptive reporting practices and hold XXXX accountable. 

I want CFPB to investigate XXXX fraudulent responses CFPB consumer complaint and how using other wrong account information to respond to consumer complaint to deflect their deceptive business practices on the right account held by XXXX. 

I also want the CFPB to enact and enforce laws to protect consumer from this type of abusive reporting practice designed to lower American of XXXX descent credit scores.
Consumer complaint received 2022-09-20
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: Experian Information Solutions Inc. (FL)

ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER - XXXX In accordance with the fair credit reporting Everything must be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This ground for removal they also violated my rights under : 15 U.SC 1681 Section 602 A states I have the right to privacy, 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish without my written instructions Also the credit bureaus took more than 30 days to complete my investigation.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WI)

I am writing to bring to your attention a concerning issue regarding my recent credit report. Upon reviewing my credit history, I discovered an unauthorized inquiry that took place on XX/XX/2023. This inquiry was conducted without my knowledge or consent. 

I have not provided authorization to any entity for this inquiry, and I am deeply troubled by this violation of my privacy. I have taken immediate action by disputing the unauthorized inquiry with the relevant credit bureau and placing a fraud alert on my credit report. 

I kindly request the Consumer Financial Protection Bureaus assistance in investigating this matter. I believe it is crucial to address and resolve this issue promptly to prevent any potential negative impact on my credit score and financial well-being. 

In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions '' Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have fraudulent inquiries on my credit report that I reported to the lenders, but they are not removing the inquiries. They have has no right to refuse to remove this fraudulent account because I am a victim of identity theft. The inquiries are from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (GA)

Before moving out of the country, I went to the XXXX  store and paid my account in full, closed the account, unlocked my phone to use overseas and even bought a new phone and had it unlocked immediately, now they are saying i owe them {$340.00}. They would not have unlocked my phones unless the account was paid! 

now they have Southwest Credit reporting a collections, but southwest credit does not have my account but they are still defaming my charecter!
Consumer complaint received 2023-07-08
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. (NY)

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 correct : XXXX XXXX XXXX Balance : {$280.00}, XXXX XXXX XXXX  Balance : {$1300.00}, XXXX XXXXXXXX XXXX XXXX XXXX : {$150.00}
Consumer complaint received 2023-05-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FISERV INC. (VA)

I received a letter from TRS Recovery Services, stating that I have a debt with XXXX XXXX  but I didn't shop there. I lost my checkbook months ago, and someone cashed a check for a large amount and my bank won't believe me. XXXX XXXX is attempting to collect {$290.00}, for some reason.
Consumer complaint received 2022-12-11
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: Resurgent Capital Services L.P. (OH)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

25.7K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.