davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

In XX/XX/2023 I submitted a complaint through the CFPB ( complaint # XXXX ) requested that Experian conduct an investigation on an account XXXX XXXX  which appears in my Experian Credit file. As Per 1681 ( I ) ( a ) ( 1 ) ( a ), any dispute investigations must be completed with action taken before the expiration of 30 days of when the dispute was received. Experian did fail to complete and make timely notification of the results of this investigation as required by law. As of XX/XX/2023 Experian has not responded or provided notification that this investigation was completed which is past the 30 day period.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Without fail, I've maintained timely payments on this account, ensuring they are never overdue. It's unclear to me why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, necessary corrections should be implemented.
Consumer complaint received 2024-03-29
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. (NC)

This is one of several complaints regarding my status as a victim of identity theft, and I am writing to formally dispute certain accounts in my credit file stemming from this crime. The account in question does not pertain to any transactions involving goods, services, or money that I have authorized or engaged in. It is entirely unfamiliar to me. Additionally, I have noted discrepancies in the information provided on certain accounts, as it has been deleted from other bureaus. Furthermore, the reported payment history on some accounts is entirely inexplicable to me. 

I request that any information in my credit file resulting from alleged identity theft be blocked from reporting. 
XXXX XXXX.
Consumer complaint received 2022-11-29
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. (CA)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX, Balance : {$930.00} XXXX XXXX XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$950.00} ), XXXX XXXXXXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$450.00} ), XXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$1100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$1500.00} XXXX XXXX XXXX ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2017-07-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On the evening of XXXX XXXX, 2017 my account went into a negative {$880000.00} because of a hold of {$880000.00}. I was not able to access my account and both of my cards have been deemed invalid. When calling customer service they could not help me. I called risk management and they could not give me any information other than Bank of America has decided to close the accounts. Both my personal and business account. This hold was from the bank itself not someone stealing my identity.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

'm contacting you to dispute the inclusion of this bankruptcy on my credit report. The situation is extremely worrying as I have documentation from the court explicitly stating that this bankruptcy should not be reflected in your records. Furthermore, the involvement of an unauthorized third party increases the ridiculousness of this scenario.
Consumer complaint received 2023-06-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (NC)

XXXX of XXXX I started a repayment program for a missed mortgage payment. This program was approved and started by the Huntington Mortgage representative and I completed this program in XXXX, the XXXX was my last repayment. Upon calling the provider, I was informed that the repayment plan was set up incorrectly? And I would need to start another or go on some home saving program. This is totally unacceptable to me as a consumer I have completed my part of this process, it is not my fault that they set up the program wrong under the wrong parameters. My account should be current as they stated it would be upon completion of this program.
Consumer complaint received 2023-06-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

Hello i have tried to get the citi bank to take action i was told to file a complant which i did and it was denided i reported my cards lost/stolen my account was scamed by someone using a check of XXXX in my name they used my debt card deposted the check and tried to sent it thru XXXX or XXXX im not to sure. When i called to tell the bank this was not me they said they had canceled the activity but now they said my account was on negative and locked my accounts and they tell me to file another claim but they are still denying it i dont have this kind of money to pay the bank i dont know what to do please help me thank you
Consumer complaint received 2017-05-04
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Onity Group Inc. (WA)

loan  XXXX  serviced by Ocwen many attempts to get a suitable modification plan ; Ocwen failed at all options began foreclosure again while I am recovering from a   XXXX   XXXX   in addition the original note of the deed of trust is wrong Paragraph  2 of  the original note says INTEREST ; this is a  PITI loa n not interest The word interest is wrong and make the note invalid  Ocwen  says since they did n't prepare the note that it was an oversight.
Consumer complaint received 2023-06-01
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Jon Barry and Associates, Inc. (NC)

I ask to stop contacting me and they continue to do so! I keep getting the spam phone calls everyday or every other day! I keep getting letters in the mail and they are also sending the letters to the wrong address when I have corrected the address on the XXXX XXXX website and ask not top send me anymore as we would get this debt paid as soon as we get the funds we are waiting for!! So I would greatly appreciate it if the letters and phone calls would stop! I see this being a harassing matter as we can not help our insurance sucks and dont help as much as we want it too! So please STOP contacting us!!
Consumer complaint received 2023-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (FL)

XX/XX/2023 is when transaction occur total amount {$3900.00} dollars where sent to a person XXXX XXXX via chime unsure who person is filed a police report and also dispute it through chime i keep getting denied. i have bills and was scam out of my money. Chime will not release my funds back to me i have disputed this three times.
Consumer complaint received 2023-03-26
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. (CA)

I disputed a inaccurate item on my credit report and the credit bureau put more inaccurate information on my credit report, that does not belong to me and those items where removed and placed back on my credit report.
Consumer complaint received 2024-03-29
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. (NY)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-06-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC (FL)

On XXXX I took out a loan with XXXXXXXX XXXX  through Opploans.com. The contract lists nine payments through XX/XX/XXXX in the amount of {$210.00}. I had a deferment in XX/XX/XXXX and a payment that had insufficient funds in XX/XX/XXXX. I assume that would extend the contract to XX/XX/XXXX, and which I was told I was correct by a CSR and a Supervisor. They are now charging me additional interest which is well over a monthly payment and over {$300.00}, but Im unsure the full amount. The contract is over and theyre still charging me money. Is this legal? Would you please investigate?
Consumer complaint received 2023-06-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (TX)

I was granted a 100 % XXXX XXXX XXXX XXXX XXXXXXXX effective XXXX XXXX XXXX. On XXXX XXXX XXXX I worked with the XXXX XXXX XXXX XXXX to submit my homestead exemption, which resulted in total exemption from property taxes. On that same day, I began the process of trying to work with my mortgage company, United Wholesale Mortgage, to apply that approved tax exemption to my escrow account. 

I have initiated contacted my mortgage company multiple times, via phone and through their online message center. They state that their policy does not allow them to update my escrow account until they have a property tax statement, but my county tax office will not issue a new statement until XXXX XXXX As a result, I am left paying money to my escrow account, fully knowing that it will be returned to me in the future, minus the value it depreciates due to inflation. Additionally, I recently became unemployed and this situation is resulting in undue financial stress. 

My mortgage company has refused to consider my situation, despite repeated efforts to explain and escalate within their organization. I view their lack of support as criminal, as they continue to hold on to my money and deprive me of the opportunity to invest/earn interest on my money.
Consumer complaint received 2023-04-11
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

Today XX/XX/2023 I placed a call to Equifax to correct information being displayed on my consumer report. They willingly and knowingly provided, false and misleading information in regards to their ability to change or correct information that They are ultimately reporting unlawfully on my consumer report.
Consumer complaint received 2023-06-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (AR)

I have received a collection from HUNTER WARFIELD INC, the debt collection agency at which came from the original creditor, XXXX XXXX XXXX  who's principe place of business is located at XXXX XXXX XXXX XXXX # XXXX, XXXX, AR XXXX, and the debt collection agency principle place of business being located at, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

Hunter, Warfield , Inc., and or the original creditor real property management alleges fees that are in accurate as evident by bank statements! 
I contacted the debt collection company to try to resolve this issue, and they have told me multiple times that I have attempted to pay this debt through the original creditor and have received a insufficient fee fund regarding to a lease payment at which is completely untrue, and made evident by bank account statements! They also alleged that I owe additional fees which I do not recognize! Upon contacting Hunter, Warfield, Inc. I spoke mainly with one individual who was then interrupted by a senior advisor who was extremely rude! They attempted to contact pre-discovery at which all discovery they should already have! I have requested a five day debt validation request starting on XXXX XXXX XXXX  by email which they first told me could not be sent and then I responded after officially verifying who I am you still cant send it to me by email she then replied yes we can and continued with her, discovery questions! I asked them to send out a validation to the original creditor, she responds ( the senior advisor ) theres no need to we already have all the legal documentation in front of us! 

As still my request was as followed but was denied and she said the debt collection agency would send me a validation notice! 

Back some time ago I signed a lease for {$1100.00} x 12 months, on my credit report it is showing a balance of {$1800.00} some of this balance is stated to be from insufficient funds fees which is once again INCORRECT and my back account will show that as evident Upon move out of the rental property, I never received an itemized receipt of any damages as to which the security deposit wouldve been applied for! 

I believe this collection agency is conducting bad business practices just because of the sheer lies imposed and false penalties under the lease contract. 

I was able to verify incorrect information on my credit report, since that moment I just started the process to get in touch with the Credit Bureaus in an attempt to get this issue corrected. The sad truth is that I never got an answer. 

This case is about abusing credit systems and collecting to force consumers ' hands to pay regardless of whether or not they are truly at fault. 

This action has caused harm to my credit and I am unable to apply for another loan. I would like the record corrected, the delinquency removed
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: Experian Information Solutions Inc. (GA)

I want to inform the credit bureau AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022.
Consumer complaint received 2016-09-08
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: J & K Financial Services, LLC (MN)

We received an offer to buy our house. The buyers submitted preapproval for the amount of the sale. XXXX closing dates were missed. XXXX XXXX of Dawson mortgage during this time kept giving excuses to our realtor as to why the closing was not going to happen. When we were informed the sale would not close on the third closing date, we talked to the buyers and found out they were unable to qualify for the loan. XXXX XXXX did not contact our realtor or us with the information the buyers were unable to get the money. 
Based on the letter from XXXX XXXX and a telephone conversation with him, we disposed of our home business and moved out of our house. 
XXXX XXXX 's incorrect and misleading information cost us approximately {$25000.00} in lost income and rental expeses. 
XXXX XXXX contact information Dawson Home Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX My husband believe XXXX XXXX is either dishonest or incompetent and has defrauded us.
Consumer complaint received 2023-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STATE EMPLOYEES CREDIT UNION (NY)

State Employee Credit Union ( SECU ) has been reporting to my credit file that I have 3 accounts with SECU that are in collections and past due. I made initial contact with the business on XX/XX/2023, in letter ( certified mail returned receipt ), demanding them to substantiate the validity of the debt. SECU received and signed the letter XX/XX/XXXX at XXXX XXXX. SECU failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Please see exhibits in attachments. I have written to SECU on three separate dates requesting to validate the debt. In return SECU has responded without any validation what so ever, but insist on requesting I put my current address on the accounts that I am disputing. State Employees Credit Union is in violation of the FCRA and FDCPA, therefore, if SECU can not validate the debt, they must request for all reporting agencies delete the entry. State Employee Credit Union, violated NYCRR 23 Section 1.4 ( B ) Which says, A debt collector must provide the consumer written substantiation of a charged-off debt within 60 days of receiving a request for substantiation of the debt and must cease collection of the debt until written substantiation has been provided to the consumer. State Employee 's Credit Union statement to the effect is that it could not disclose as it sent the information to another address with a request to update the address is of no moment. I have no association or knowledge of what address SECU is referring to. Moreover, the law states the creditor ( SECU ) Must provide the information upon request and does not give allowances to excuses to deny the request. I will pursue matter to court if these accounts aren't substantiated accurately within 30 business days.
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (PA)

So my credit limit was decreased, so I called the company to figure out why the limit was decreased and they told me that it was because of delinquency on in XXXX account so I asked them what do they have to do with Discover because my payments were on time, and my utilization was low they told me that I need to take care of my XXXX account that was from XXXX and they gave me the limit when the XXXX account was already on my report so I couldnt understand why they decrease the limit because of the XXXX account and then also, they told me that I had two accounts in collections that only have been there for no longer than two weeks, so I told them they by law theyre not allowed to use any reporting thats not older than 45 days old and that I was taking care of the collections accounts so I couldnt understand why I was decreased and then I was told I can be decreased at any time and theres nothing I can do about it so then I asked what if I make the payments on the collections accounts right now and cleared them out because theyre under dispute they told me that it would not do anything to change my increase that I would need to pay off all my debt in order for an increase so I dont understand why I was decreased and I want to know what are they going to do to solve the problem for me?
Consumer complaint received 2024-03-30
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. (TX)

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 2023-06-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One alerted me by text and email on XXXX XX/XX/XXXX of new checking account and permission to use my cell number. Separately, I emailed Capital One 's abuse reporting address to report fraud and received no response. 
On XXXX XX/XX/XXXX I received a debit card by mail. I called Capital One to report fraud and was told the account would be closed and an investigation started. On that and several follow-up phone calls I was told that a " victim letter '' would be sent to me to document the incident. 
Weeks later I received an account statement showing the account was closed XXXX XX/XX/XXXX. 
I would like to have the promised " victim letter '' and information on how this fraud was perpetrated. Thanks.