davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-17
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. (FL)

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates.

EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151.
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MD)

I closed my account because of the fees associated with WellsFargo. I will have to get them to pull all the charges that was billed to me. I had multiple accounts with them for over 30 years. Can I recommend that I get copies of my expenses during that period of time?
Consumer complaint received 2020-01-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (UT)

I received an American Express prepaid debit card of {$25.00} in early XXXX. The card clearly shows on the face an expiration date of XX/XX/XXXX. I assumed this meant the card would be good until XXXX of XXXX. 

However, I discovered on XX/XX/XXXX that the balance had been depleted as a result of recurring monthly fees of {$3.00}. 

I contacted American Express immediately upon discovery of the missing funds and explained the situation to them. The representative who answered the phone ( XXXX ) first " investigated '' the situation, located my account, and explained that the card was designed to charge a {$3.00} beginning 13 months after activation ( or mid-XXXX  ). Later, she " investigated '' again and this time found the card was designed to charge the fee beginning six months after activation ( or late XXXX ). I explained to XXXX that the clearly printed expiration date on the front of the cards was deceptive and had deceived and harmed me. She indicated multiple times that the company would not do anything to remedy the situation. 

I have been harmed by American Express ' representation of the expiration date on the face of the card. They have clearly printed and communicated that the debit card funds would be active until XX/XX/XXXX, but in reality the program limited ANY card benefit to mid-XXXX -- fully seven years prior to the stated expiration date! I consider that misleading piece of information both deceptive and unfair. I believe American Express has engaged in a deceptive business practice. I want to be made whole, and I want American Express to cease this practice.
Consumer complaint received 2018-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (MI)

I closed my XXXX 's XXXX MasterCard account at Synchrony Financial because of fraudulent activity. Synchrony Financial kept the accumulated cash reward and would not respond after the first communication.
Consumer complaint received 2020-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

SPS purchased my mortgage from XXXX mortgage a little more than a year ago. Every month I pay more than double the amount do to apply it to my principal. On two occasions ( XX/XX/2019 and XX/XX/2019 ) they have taken the payment as a prepay for the next month and not deducted it from my principal. When I made the next months payment they would accept it as that months payment like normal. They owe me {$500.00} in additional principal reduction for these actions. Additionally they wait until way after my payment is received to process the payment to collect more interest. If I could fire them I would but I am stuck with these thief 's!
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

my account was out 30 days late when i pay every two weeks. 
so there is no way i should be 30 days late for XX/XX/2024 and XX/XX/2024. 
i deferred a few payment in the pass during covic and was toll it was being to the back of loan. the mature date was in XXXX. and i still was paying every two weeks. 
not gave me no info that i had to make a modification payment plan on ending balance. 
i was still making monthly payments. so until i saw my credit report that i was put down for 30 days late for 2 months XX/XX/2024 and XX/XX/2024 which is not true. i untanned a modification payment plan now for remaining balance so iam asking you to please remove the two 30 lates off my report it is stopping me from purchasing a home.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MD)

There was a settlement reached with Wells Fargo Card services on XX/XX/XXXX and XX/XX/XXXX. The balance is being reported incorrectly and does not reflect the settlement of XXXX  nor does it reflect the balance after payments have been made. 

On XX/XX/XXXX Wells Fargo reported to XXXX XXXX XXXX XXXX XXXX XXXX XXXX this incorrect information. This has adversely effect my credit score and reduced my score by XXXX XXXX. I am now unable to apply for a business loan that I was pre approves before the adverse reporting. Wells Fargo is incorrectly reporting a balance of {$5800.00}.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (FL)

I filed disputes because my Chime card was declining on merchants end but I was still get posted charges for the transactions. I had to pay for the transactions by other means. On XX/XX/2023, Chime closed my account said I violated policies set in the terms and conditions. I didn't violate any policy because per the policies in an event like this, we're supposed to dispute and provide documentation and that's exactly what I did. Now my account is closed and whenever I'm calling, I'm being placed on hold and told I can't get my money until 30 days from now. I'm a single mother and the money in the account was all I have until I get my taxes back in XXXX. I'm now left with no means to pay any of my bills for next month, my kids schooling or even providing food for them. No one is trying to help me. I just want the account reopened or my money by the end of this week, in no way will I wait until another month to get my money back.
Consumer complaint received 2023-01-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ark-La-Tex Financial Services, LLC (TX)

I am a 100 % Total and Permanent XXXX veteran. As a result, I am exempt from paying taxes on my mortgage. The exemption shows up on the XXXX XXXX XXXX XXXX and I've provided the Mortgage Company with all of the tax exemption paperwork before my first payment was made. But the mortgage company, Benchmark Mortgage is still escrowing my account and adding tax payments. Each time I contact them to dispute and discuss the topic, I'm put on hold or the telephone disconnects. 
I've given up on trying to resolve this issue with them. 
To date, taxes are still being included in my mortgage payment. Filing this complaint was my only option as I am not getting any cooperation from the mortgage company.
Consumer complaint received 2023-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (FL)

I am currently. a victim of identity theft my information was stolen in XXXX data breach. I never open. up this account in my name the credit report agencies removed this account, but it appears back on my credit report. I certify that i am permitted by Federal and state law to file this dispute. I also understand that knowing and will misstatements or omissions of material facts constitutes a Federal Criminal Violation punishable under 18 USC1001. Additionally these misstatements are punishable as perjury under 18 USC 1621. This Collection found on found within my credit report are not related to any transaction i made. I am alleging that a person or company- without my authorization used my personal information to apply for good services, or money and was successful in creating some accounts all being investigated by the FTC.
Consumer complaint received 2020-01-17
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. (CA)

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-01-17
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. (PA)

*THIS IS NOT A DUPLICATE RESPONSE* XXXX Bank believes that their company policies and procedures supersedes federal laws. After making XXXX Bank aware of the numerous federal laws that they are breaking under the FCRA, Gramm Leach Bliley Act, TILA and commiting Aggravated Identity Theft, they confirmed that they will continue to break federal laws to cause me hardship to defame my character as a consumer operating in commerce. They are disregarding my right to privacy for the best interest for them to extort me on extension of credit. Im making the XXXX XXXX XXXX XXXX ( FDIC ) and the Federal Trade Commission ( FTC ) aware of their unfair deceptive practices also! *see attachments*
Consumer complaint received 2023-08-05
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I applied for a Qualified Assumption with my mortgage lender, Bank of America, in order to get my ex husband off my mortgage as per the terms of my divorce. I was told my application was denied do to high Income to Debt ratio. I questioned this because I only have a mortgage and car payment, I do not have any other debt, my credit cards are paid each month in full. My car payment is {$270.00} and my mortgage payment is {$1600.00}. My income each month ( salary plus alimony ) is {$6100.00}. 
According to my calculations my IDR is 32 %. Totally within the acceptable range. I have never missed a mortgage payment and my credit score is stellar. 

I was told that once an underwriter makes a determination I can not appeal it. They suggested I try to refinance to get my payments lowered. My issue is, I already paid off all my interest and I am currently paying down the principal with only {$120000.00} left and 6 years to pay off my mortgage in full. I do not think I should have to start paying interest again for the next 20-30 years just to get my ex husbands name off the mortgage. ( His name has already been taken off the title. ) I feel that my denial is unfounded. And to be honest, I feel that it was made because the bank stands to make more money if I refinance.
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I took a look at my credit reports and noticed that there was an account that was inaccurate and/or erroneous. It did not match my records so I notified the agencies and I have yet to receive a response from them. The Fair Credit Reporting Act states that every report must be made with maximum possible accuracy however each reporting agency has different information. See exhibit. XXXX agency is showing a 60 day late payment status while the other two aren't and my records don't show that I was ever late. Not only that but the payment history are not matching at all which also proves that this information has been reported with an error.
Consumer complaint received 2020-01-15
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. (SC)

So in the month of XXXX I sent validation and verification letters to XXXX  and experian asking them to remove all of the accounts that were listed on the letters that i had sent them and they have still not fix the problem can you please look into this problem for me thank you.
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I recently bought XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. 
and the autoloan provided for this is Fifth Third Bank. 

I was able to make payments on my Autoloan continuously from XX/XX/XXXX till XX/XX/XXXX. Issue started with XXXX payments. 

Issue : My Car dealer sold me a wrong Car with different VIN number it seems ( Attached are the request from Dealer in SMS texts ). They urged me to come back and complete the new paperwork that reflects the new VIN number of the Vehicle. Which I did apparently, and asked them would this be an impact to any where like Funds, credit reports etc but they said no changes at all and you should be good just with paper work ( This happened in XX/XX/XXXX ). After this episode I normally logged in to make XX/XX/XXXX payment and then the Loan account ( {$30000.00} ) shown as Paid off ( Online ). I received the Old Vehicle Title and New registration in the Mail as well. 

Looking at this I had called in the bank to identify who paid it off, and bank did not disclose it, After a week time from the week paid off, I decided to login again and make payments if any, this time the new loan amount ( {$30000.00} ) was posted back, but when I tried making payments they did not let me do that by throwing an error called technical difficulties. This happened almost 6-7 times, then I contacted the bank to figure out the issue and they started making different stories all the time saying My source bank had the issue, later on they said its locked, and once they said this is because you missed your current payment and its gone to collections already. 

Starting XX/XX/XXXX I made numerous calls to bank and figure out a way to clear this out, but they were not helpful in resolving this issue and keep on transferring my called to various departments. I tried contacting XXXX and they said they do not care about these things once Car is sold out of the Lot. 

Please look into this issue and attached are the Texts from the XXXX XXXX regarding this change.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my consumer reports and noticed that I had two late payments on account that I was never late for. the consumer reporting agencies have assumed a virtal role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I never been late on payments for the account that I have included screenshot inside this complaint in on dates of XX/XX/2019, XX/XX/2019. Please investigate and provide proof with statements showing these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2020-01-17
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)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-08-05
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. (TX)

I am rewriting to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX  with account number XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX, XXXX with account number XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX and XXXX XXXX with account number XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. Thank you for your attention to this matter. Attached here is the Identity Theft report filled.
Consumer complaint received 2023-01-17
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: EQUIFAX, INC. (TX)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : State a consumer reporting agency can not furnish a account without my written instructions