davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am in the process of moving so today XX/XX/20 I applied at XXXX XXXX apartments and I was told that I was not eligible to rent an apartment there because of some accounts and inquiries reflecting badly on my credit history. None of those accounts/inquiries belong to me nor did I ever give anyone permission to open those accounts in my name. I have no idea who could have stolen my personal information to open these accounts but I have already filed a police report. I did not benefit anything from these accounts and I did not make any payments towards these accounts. I have never had any written/verbal contracts with any of these companies.
Consumer complaint received 2022-12-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: EVERBANK, NATIONAL ASSOCIATION (NY)

I opened a floating rate CD with TIAA bank. It was a 36 month CD maturing on XX/XX/XXXX. Floating rate was supposed to move with the XXXX index. No interest has been credited to the account since XX/XX/XXXX. I called TIAA bank and they told me these accounts were closed by the bank in XXXX and as a result would not receive any interest. I was never contacted ( can not find any record of the communication on the TIAA web portal after logging on and searching ). Had I learned this I surely would have asked for them to send me my money so I could deposit it elsewhere and earn interests. Despite their decision to terminate the account sometime in XXXX they continued to pay me interest in XXXX ( IRS XXXX showing this available ) and up until XX/XX/XXXX. As interest rates have risen and this was to be a floating rate CD using the XXXX index I think much money is owed me. The bank had use of my money and must have earned a return using it. I am hopeful I can just get the agreed upon rate to be in effect from when I opened the account
Consumer complaint received 2020-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AmeriHome Mortgage Company, LLC (MD)

Amerihome mortgage wasnt my originating lender. My loan was sold to them. I sent my mortgage payments in two increments. They returned the checks and said that they can only accept payment in the full amount. This was never relayed to me prior to them taking over my loan. They then reported my payment as late to my credit report even though I sent them the full amount.
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have reached out to the credit bureaus and have forwarded them a letter from the bankruptcy district court clerks off and record division that states that they do not report to the credit bureaus. If the courthouse says itself that they do not report to the credit bureaus then there in no way to be 100 % accurate of any reporting of any bankruptcy of public record. The following bankruptcy is not mine and in addition it is unverifiable. 

Record Type : Chapter XXXX bankruptcy Date Opened : XX/XX/XXXX Reference Number : XXXX And Please Remove this late Payment From Your Records : Account Name : XXXX/XXXX XXXX Account Number : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Status Open. 
Allegedly LATE : XX/XX/XXXX *Please See Attached Letter From Bankruptcy Court*
Consumer complaint received 2020-01-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Consumer complaint received 2020-01-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

In XX/XX/XXXX, I had a severe home leak that necessitated receiving a large insurance check. Since that date, over the past three months I have promptly uploaded and scheduled everything that my mortgage company requested through their partner insuanceclaimcheck.com. Since that time, I have submitted the same form multiple times ( W-9 ) and it has either not uploaded, I have been told the form is too dark, or that the business type is wrong. At this point, no rep can give me a straight answer as to why they will not accept the final form and cut me my final check. This company is now forcefully holding {$23000.00} under the guise that there is something more I need to do ; that they will not tell me. All repairs have been completed and an inspection from their company shows as much.
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (CA)

I filed a complaint in XXXX with the Federal Reserve Bank concerning the handling of my bank account at Charles Schwab Bank ( the " Bank '' ). I received a letter today that my complaint is being sent to the Federal Reserve Bank XXXX  XXXX and in addition I was requested to contact the CFPB directly to submit a complaint to you on-line. 

Here is approximately what I wrote to the Federal Reserve : 1. In XX/XX/2021, four fraudulent checks with duplicative check numbers were negligently paid by the Bank out of my checking account as follows : a. Check No. XXXX in the amount of {$2000.00} was paid on XX/XX/XXXX. 
b. A second Check No. XXXX in the amount of {$4200.00} was paid on XX/XX/XXXX. 
c. On XX/XX/XXXX, the Bank appears to have become aware of an error and credited {$2000.00} to my checking account. 
d. Check No. XXXX in the amount of {$2000.00} was paid on XX/XX/XXXX. 
e. A second Check No. XXXX in the amount of {$8000.00} was paid on XX/XX/XXXX. 
2. All checks were written by and to the same person and signed illegibly with signatures unlike in any way the account holders ' actual signatures on file with the Bank. 
3. I signed an affidavit as requested by the Schwab Fraud Investigator, XXXX XXXX, and have been told an investigation is underway. The investigator appears to be currently on leave and can not be reached. Her phone number is ( XXXX ) XXXX XXXX. 
4. I reported the fraud crime to my local Police and submitted that report number to the Bank ( the police officer said he had actually arrested the person named on the checks in the past ). 
5. When I reported the fraud to the Bank, the Bank immediately closed my bank account and did not provide me with a new account for 9 days and only after I exerted pressure through my connections at the Banks brokerage section. 
6. Without any notice or disclosure to me, the Bank eliminated my former checking account from their electronic on-line record system leaving me without any way to download or retrieve past records, including copies of paid checks. This resulted in extreme stress and considerable time to unwind as many automatic payments were rejected and penalties and interest accrued. 
6. I have not yet received the return of my {$14000.00} of funds. My weekly calls to the Bank result in no answer as to the status of my claim.
Consumer complaint received 2022-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I sent out certified mail letters to each XXXX XXXX XXXX regarding the inaccurate and incomplete accounts on my consumer report. I have received a response from TransUnion stating that they have completed the investigation and verified everything as accurate. This is false because there are a number of inaccuracies on my consumer report that still remain. 1. I am disputing this account for inaccurate information because you are reporting the date of the last payment incorrectly. 
TransUnion is reporting the date of last payment as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. If this isn't reporting correctly then this means the date of first delinquency is wrong as well as manipulating the statute of limitations XXXX Account Number : XXXX Please Submit onto ACDV form and please Delete under section 1681s ( 2 ) ( b ) 2. I am disputing this account for inaccurate information because you are reporting the date of the last activity incorrectly. TransUnion is reporting the date of last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off XXXX Account XXXX : XXXX Please Submit onto ACDV form and please Delete under section 1681s ( 2 ) ( b TransUnion has failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ). I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). TransUnion has 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.
Consumer complaint received 2020-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Capital One closed my account as requested, however the fraudulent charge is still on my account. Because I can't afford to ruin my credit, I've gone ahead and made a payment. Why couldn't Cap One freeze this while they see that the charge is fraud? I just paid {$1700.00} in one month, and was so glad to have a free credit card. Now I do not, and am forced to make a payment? How can I press charges against this company?
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Dear Sir/Madam, I hope this letter finds you in good health and high spirits. I am writing to bring to your attention a discrepancy I have noticed on my credit report, concerning an account that your organization currently manages ( XXXX {$2100.00} XXXX XXXX XXXX ) Recently, I had an opportunity to review my credit reports and observed that the balance reported for the account appears to be inaccurate. It has come to my notice that there exists a discrepancy between the balance as reported by your company and that as stated by Experian XXXX  XXXX  Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request a correction of any inaccurate information on my credit report. Therefore, I kindly request that you thoroughly investigate this matter to ensure that the account information you report to credit bureaus is accurate and verifiable. 

If my dispute is valid, I would like to invoke Section 611 of the FCRA which requires that credit bureaus correct or delete inaccurate, incomplete, or unverifiable information within 30 days of a dispute. Accordingly, I request that you rectify this discrepancy and inform the [ credit bureau ] to delete this account from my credit report if it can not be accurately verified. In keeping with the regulations prescribed by the FCRA, I would appreciate it if you could provide me with an updated copy of my credit report once these changes have been affected. I understand that this is my right under Section 609 of the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Best Regards, XXXX XXXX
Consumer complaint received 2020-01-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AR)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. 

I HAVE FILE A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Consumer complaint received 2020-01-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Vengroff Williams, Inc (NV)

XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX Did not call me nor mail any amount owed. XXXX XXXX  sent the account over to Vengroff Williams Inc in which is a debt collector in which I disput the amount of {$91.00} XXXX XXXX  also ran my credit cared several times in one day for the same charge of {$54.00} dollars back to back in which my credit card company contacted me about the charges. I paid the bill at close out of the rented truck.Now Vengroff is trying to charge late fee 's in which XXXX XXXX never contacted me about any balance owed.
Consumer complaint received 2021-09-06
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: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX companies ran a credit report without my knowledge or consent. I called these companies personally to see how my information was obtained and was told that once the credit is ran there is nothing that can be done unless I call the credit bureau. I have no additional documents because I was unaware of these happenings. I would like to add that I did lose my wallet and important documents which may have resulted in identity theft.
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

I have tried to get my free annual credit score from Experian for the past two weeks, but I have been unsuccessful. I have tried to request the credit report online, by mail, and by phone, but none of these methods have been successful. Experian can not tell me why I can not access my credit score, nor can they fix it. Also, the customer service seems to have a habit of making promises they have no intention to keep. For example, after several hours on the phone, a service agent " escalated '' my case because she could not fix the problem. When I called the next day, still unable to get my credit score, the new agent told my that my case was marked as " resolved '' and closed. But nothing was fixed. Now I am on the phone with them again and they still do not know why they can not access my account. I haven't had any such problems with the other two credit reporting agencies. Experian is a highly dysfunctional organization that has no right holding so much power over regular citizens.
Consumer complaint received 2024-01-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was on a 3 month forebearance for XXXX XXXX XXXX XXXX  I called before XXXX to get an extension of the foreberance ( which is allowed by my investor ) and the representative told me to call back in after XXXX XXXX 

On XX/XX/XXXX, at about XXXX XXXX I called and requested an extension and spoke to a XXXX XXXX who told me I would get a letter in 3-5 days. 

I told her the first time they put it in the computer and I was given the answer while on the phone and then I asked to speak to a supervisor. 

She then stated she would take my information and have a supervisor call me back in 24 to 48 hours. I asked was anyone available and she sort of laughed and said no one was on the floor. That little laugh was very offensive. 

Her lack of urgency in providing needed assistance due to a hardship was incredible. 

I was told all I had to do was call back in and then I had back in.
Consumer complaint received 2022-07-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (PA)

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 Title 13 states that the person collecting the debt must notify the person and give any such steps in order to resolve the debt The FDCPA requires a debt collector to send written notice within five days of initial communication. 
Delete this account immediately, unless you want to be held {$1000.00} per violation
Consumer complaint received 2020-01-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (TX)

XXXX XXXX XXXX XXXX XX/XX/XXXX, disputed with a XXXX letter spring XX/XX/XXXXwas never sent any information on how the account was validated. Was sent a letter stating that they verified the information and wasnt going to remove it. Sent two request to validate verification process no resolution was given.
Consumer complaint received 2023-05-30
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. (VA)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX 2  LATE PAYMENTS Credit usage 0 % Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$200.00} It's normal for the credit card balance you see on your credit report to be different than the one on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes. 
Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Charge Card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX XXXX - PAYMENT HISTORY LEGEND Status Open. 
Status updated XX/XX/XXXX Highest balance {$2300.00} Monthly payment {$0.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX Dispute this account CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-16
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)

Im exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. Experian has verified that this fraudulent account is accurate and I would like to know the method of verification that was used, please provide within 15 days as stated in the guidelines of the FCRA.
Consumer complaint received 2021-09-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (GA)

Hello, I bringing to your attention that there was debt that was disputed from my report and now its back. By law section 611 [ 15 U.S.C 1681i ] ( 5 ) ( B ) ( i ) States that once items are deleted they should not be reinserted on the credit report. I did not received notification with in the 5 day mark stating that debt will be but on my credit report. By law this is fraudulent. I ask that you please remove negative items from the Experian account.
Consumer complaint received 2023-11-29
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. (MO)

I hope this letter reaches you under circumstances conducive to prompt resolution. I am writing to express my growing concern and frustration despite multiple attempt with the unresolved issue of fraudulent items associated with my account. 

Despite my repeated attempts to address this matter through your designated channels, I regret to inform you that all efforts to remove the fraudulent items have been unsuccessful. The persistence of these unauthorized activities is causing me considerable distress, and I am alarmed by the potential impact on my financial standing. 

Ensure the successful removal of all fraudulent items and transactions linked to my account without any further delay. 

Provide me with a comprehensive update on the ongoing investigation into the origins and nature of the fraudulent activities. 

Enhance communication channels to keep me informed about the progress made and the steps being taken to bring about a resolution. 

Implement additional preventive measures on my account to thwart any future unauthorized access or activities. 

I understand that addressing such matters requires careful consideration and timely action. I urge you to treat this issue with the urgency it demands to rectify the situation promptly. 

Your immediate attention to this complaint is crucial. Please acknowledge receipt of this letter and inform me of the steps being taken to resolve the issue. I anticipate your swift response to restore my confidence in your services. I am asking for your assistance to remove these fraudulent items in my credit 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