davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (RI)

Hi so to make a long story short back in XXXX my mortgage company decided to pay my taxes annually. This happened to many companies all of a sudden which made it seem as if my balance in my escrow would be - almost {$4000.00}. The only option I gave me was to send a payment in full or take the mortgage payment of almost {$300.00} more. They did not give an option they did this because the 2 percent savings by paying it annually. They did it again in XXXX and now again XXXX and 4 next year. I got nervous that something would happen back in XXXX and they gave me the option of paying it over 36 months I believe. My town does not require XXXX  they require quarterly. That being said they would only money and my mortgage payment would be much lower. I started fighting again with them back in XXXX about this and I keep getting the runaround they're talking about my mortgage insurance and about my fire taxes and they keep stating they pay my annual taxes annually for my town I have told them over and over again it can be paid quarterly and I do not want them to pay it anyway. I feel as if this getting pushed out because the longer it waits it'll be too late for them to do a quarterly for next year. My mortgage was XXXX in XXXX took forbearance which in itself is very difficult because I did it on my own and every time I tried to submit something another document or over the 30 days so my credit score went in the tubes. After the forbearance I believe it went up to about XXXX a month right now it's at XXXX and they're saying next month starts XXXX. I have spoken with the tax assessor 's Department four times in the last month and still nothing gas been done. Mortgage company us freedom mortgage. Ty I was told us to be rectified by the beginning of. XXXX and then again I was told by mid to end XXXX and it is still not done and I have not paid XXXX though I have the money because it should be much much. I just spoke to a member services person and they told me to not pay it and to call on Monday to talk to the assessor office I have very little hopes that I'll be able to get through and not be on hold for 3 hours or transferred to different departments and then disconnected. Now because of all of this my credit is too low to refinance somewhere else.
Consumer complaint received 2023-02-03
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: Experian Information Solutions Inc. (TX)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried numerous times to tell TransUnion that XXXX XXXX XXXX is reporting the wrong address an address I have never had on my credit report for an account that account is inaccurate and needs to be deleted immediately please check the address this is not my address or never has been
Consumer complaint received 2023-02-02
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. (AL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (MI)

The XXXXXXXX chase credit card I have advertised XXXX statement credits for early bird check in which have not been honored. 

On XX/XX/XXXX, I made two early bird checkin purchases, {$25.00} each. 

On XXXX, I sent an inquiry regarding statement credit timing. On XXXX, I received a canned response that did not address my issue at all. 

On XX/XX/XXXX, I called the customer service number. I was told that my purchase wasn't eligible based on their records. I told the agent I have the receipt from the purchase, and she said she would put in a request to review further. 

As of now, I have yet to receive any correspondence or credit.
Consumer complaint received 2017-06-02
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. (MO)

XXXX XXXX IS REPORTING 2 COLLECTIONS ON MY CREDIT REPORT ONE IS FOR XXXX OPENEDXX/XX/XXXX. AND ONE FOR XXXX OPENED XXXX. I HAVE NOTIFIED XXXX XXXX AND LET THEM KNOW I WAS A VICTIM OF IDENTITY THEFT IN THE PAST. I SENT A LETTER TO THE CREDIT BUREAUS AND FORWARDED A COPY OF THE POLICE REPORT AND IDENTITY THEFT AFFADAVIT TO THE COLLECTION AGENCY AND TO THE CREDIT BUREAUS. I ALSO HAVE A ACCOUNT WITH XXXX XXXX FOR XXXX OPENED XX/XX/XXXX. I HAVE NO KNOWLEDGE OF THESE WIRELESS ACCOUNTS. IF MY IDENTITY HAS BEEN COMPROMISE IT IS THE RESPONSIBILITY OF THE CREDIT BUREAUS TO REMOVE ANY NEGATIVE INFORMATION FROM MY CREDIT REPORT AS A DIRECT RESULT OF THE IDENTITY THEFT. THE COLLECTION AGENCIES HAVE FAILED TO RESPOND TO ME DIRECTLY AND THE CREDIT BUREAUS SAY THE COLLECTIONS ARE BEING VALIDATED.
Consumer complaint received 2022-12-14
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. (AL)

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

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 an account without my written instructions.
Consumer complaint received 2017-06-02
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: TD BANK US HOLDING COMPANY (FL)

XXXX / XXXX / 2014   TD BAN K OVERDRAFT ACCOUNT ABUSE IS NOT TRUE THIS ACCOUNT WAS PAID THE AMOUNT WE AGREED UPON IN ORDER TO REMOVE THIS ACCOUNT OUT OF COLLECTIONS. SO I DO NOT UNDERSTAND WHY IT IS SHOWING UP AS ACCOUNT ABUSE AND OVERDRAFT.
Consumer complaint received 2024-06-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FISERV INC. (GA)

XXXX An XXXX to XXXX XXXX returned unpaid by my bank. 

I received a letter from XXXX recovery about the debt and the amount to cover. My XXXX account was blocked. I made the payment in the amount of XXXX from an alternate account. 

As of XX/XX/XXXX XXXX is refusing to communicate with XXXX to make it known Ive paid my outstanding debt in full on XX/XX/XXXX. 

XXXX emailed me on XX/XX/XXXX at XXXX am stating XXXX is not communicating with them that the debt is paid. 

XXXX is refusing to work with me and is directing me to XXXX. XXXX is directing me Back to XXXX.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (TN)

This is in regards to US BANK. My husband and I closed our account on XX/XX/XXXX. We closed the account because the local branch closed. The bank sent us a check dated XXXX XXXX for XXXX cents our remaining balance. I then received a check dated XX/XX/XXXX for {$16.00}. On XX/XX/XXXX we received an insufficient fund notification that said we owed them {$37.00} from a dispute I had settled last year around XXXX or XX/XX/XXXX. We then received a bank statement dated XX/XX/XXXX through XX/XX/XXXX stating that we are negative {$37.00}. Then we received a notice dated XX/XX/XXXX that they were wanting their XXXX and that they were charging us a {$30.00} account charge off processing fee, and that our account would close on XX/XX/XXXX, they also said in the letter that they would report us and would hurt us in getting further bank accounts, collection efforts would continue, and saying we would no longer have access to the account ( we haven't had access since XX/XX/XXXX the day we closed the account ). I have had more written correspondence from them since XX/XX/XXXX than we ever received in the 9 years we banked with them! I have talked to several people at US BANK, I have at least 3 recordings, one banker said we owe them nothing, others tell me different stories! Our problem is how do you close an account and then the bank reopen it? They have frankly made my husband and I sick! Any help would be greatly appreciated!
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FC HoldCo LLC (TX)

Upon the relationship ending XXXX I have requested ALL documents associated with alleged account and have NOT RECEIVED ANY. 

In fact, XX/XX/XXXX I received a Data Breach letter advising consumers of fraud, and potential XXXX compromised. 

In addition, the company is violating my consumer rights per FCRA 604 15 USC 1681. 
I believe the Lack of Validation is indicative and supports my concerns of false reporting while violating my consumer rights.
Consumer complaint received 2023-07-20
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. (TX)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to investigate these accounts : XXXX XXXX {$13.00}, XXXX ; XXXX XXXX  {$3400.00} ; XXXX XXXX XXXX XXXX {$1000.00} ; XXXX XXXX XXXX XXXX {$500.00} ; XXXX XXXX  {$500.00} ; XXXX XXXX {$3600.00} ; XXXX XXXX {$1400.00} ; XXXX XXXX {$810.00} ; XXXX XXXX XXXX {$520.00} ; XXXX XXXX  {$540.00} ; However they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 USC 1681 i ( 5 ) they are supposed to modify the accounts that arent reporting correctly.

15 USC 1681 section 602A states I have the right to privacy.

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

15 USC 1681 c. ( a ) ( 5 ) states no consumer reporting agency may make any customer containing any of the following any adverse item information ; other than records of convictions of crimes for 7 years. 

Also they are NOT in compliance with Metro2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (KY)

On XX/XX/2022 I made an electronic payment of {$3500.00} to my credit card company from my bank. The bank statement shows the transaction but it was never credited to my credit card account. I understand that the payment was sent to my old account number that I had used in the past but due to a computer up grade at the credit card company it no longer matched the old and new numbers. I have tried to resolve the issue with the credit card company giving them 90 days as they required but no resolution. I have sent the documents they requested and my bank has tried to assist.
Consumer complaint received 2024-05-24
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. (NM)

So after Initially sending a letter to remove any derogatory information they had provided to my credit agencys after I got your company involved they answered your request and Intially send something which then did increase my score back to what it was before, then a week later they then turned back around and resent the derogatory false reporting back to my credit report which then lowered my score for the second time by reporting false information that I didnt make my payments on time which I have proof of every payment paid as agreed however they literally re reported the derogatory information to ruin my credit score for the 2nd time in a couple of weeks then they also sent me a notice today saying due to my credit history they are now lowering my limit by over XXXX dollars on one of the accounts due to my credit profile history which now makes it look like Im way above my credit limit and hurts my score even more! This company needs to be dealt with immediately as they are destroying my credit and playing games with my life which isnt professional at all as this is seriously hurting my credit score I have proof of the Intial time they sent to the credit agency the removal of the derogatory and then today I get the same report back for the exact same deroga which then lowered my credit score again this needs to be removed immediately and I need your protection as this was sold to me initially as a credit card which then turned into a line of credit then because I had such good history they gave me another account which I wish I would have never accepted and it was so misleading! But all I want is for them to remove the false information that they have no 2 times reported against me for the same thing after removing it then for no reason re reported the derog to hurt my score again There hardship program is misleading because although you make the payments that they tell you that you will need to make your balance doesnt go down at all and this cant be right after 6 months of making payments on both accounts niether accounts balance dropped not even XXXX dollar. Please consumer finance.gov please help me as I have proof of everything and these people are predatory lending and making false claims to the credit reporting agencies to destroy my credit score!
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: GOLDMAN SACHS BANK USA (TX)

Hello sir I tried to open an account with XXXX XXXX I was the customer report of files was the reason behind being turn down Secondly I tried open credit with Apple credit card Same reason was issued for the turn down I can get the report information
Consumer complaint received 2021-12-18
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: KEYCORP (NY)

I met with Bank officials at Key Bank, XXXX, XXXX in XX/XX/2021, regarding being charged, penalized & deducted from my checking account, {$140.00}. I asked if this was a state or federal requirement, as opposed to just bank policy. I was advised that this was a state law. I requested that they provide me with the appropriate legal site to the law, which they were unable or unwilling to do. To this day, I have not received any proof that this is a New York State requirement. 

I am on a fixed income and the banks policy can only be described as usurious! 

I respectfully request you investigate Key Banks policy of penalizing account holders in the use of their money. 

Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently received a copy of my TRANSUNIUON credit report. The credit report showed a credit inquiry by your companythat I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless Ihave authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for meto acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as toforward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, Thank you for your time,
Consumer complaint received 2023-07-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (MT)

Searched internet for a higher interest rate for my savings account until I paid quarterly taxes the next XXXX payments so I transfered {$28000.00} from XXXX XXXX  on XX/XX/XXXX to Synchrony high yield savings account. Also, wanted a savings account to deposit savings into on a regular basis with every paycheck. 

Quarterly taxes were due in XXXX. I tried to pay them using the debit card they supplied but it has an expiration date out of range for IRS XXXX website. 

So, I needed to transfer {$7000.00} back to XXXX XXXX, so I could write a check and pay my taxes to IRS and XXXX XXXX XXXX. Synchrony then restricted my account and cancelled the transfer. 

Hence, I had to borrow {$7000.00} from our family business to pay my taxes and next quarterlies are due in XXXX and my license plates and home insurance is due in XXXX. 

I have called multiple times to ask them to contact me and request documents to resolve this situation to no avail.
Consumer complaint received 2023-07-20
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. (GA)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2023, I placed a credit freeze with each of the three national bureaus. Each of the bureaus required me to create an account with them to implement the freeze. At that time, I unchecked any boxes that would have allowed the bureaus to send me marketing communications or offers. Since that time, Experian has been sending me unwanted marketing communications and offers unrelated to implementing the credit freeze. 

For example, on XX/XX/XXXX, Experian sent me an email entitled " Instantly increase your FICO Score ( yep, you read that right! ). '' This is clearly an ad for Experian 's Boost product offering. However, Experian maintains that I can not opt-out of this communication because it is " related to my account ''. The footer of the email reads " This email was sent because it contains important information about your account.... you will continue to receive email notifications regarding your account. '' Again, on XX/XX/XXXX, Experian sent me an email directing me to " See your latest Experian credit report, FICO Score and other updates '' ( I have to assume, at an additional cost ). Similarly to the XX/XX/XXXX ad, the footer of the email reads : " Why am I receiving this email? This is not a marketing email - you're receiving this message to notify you of a recent change to your account.... You can update some alerts and communications preferences any time on your Experian CreditWorks Basic profile, but you'll continue to receive notifications like this one on the status of your account. '' Contrary to the representations within the email footer, the purpose of the email is clearly to entice me to purchase another product from Experian. The email is unrelated to my credit freeze and addresses no change affecting my credit freeze. 

Consumers should be able to implement a credit freeze without receiving daily emails from Experian advertising other Experian products. There appears to be no way of stopping these emails, other than to delete my Experian account. Even if this was possible, I would then have no control over my credit freeze.
Consumer complaint received 2022-01-03
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. (AL)

I've disputed through the credit bureaus and sent the company several letters requesting their legal authority to collect the debt, a direct contract between me and the company with my signature, and an agreement to the assignment of the debt. All my request have been ignored. I've even called to get information and it's getting me nowhere.