davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
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: EQUIFAX, INC. (MD)

M & t Bank is furnishing inaccurate information on my credit report. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my way of living and my ability to obtain credit for personal and house purposes. The inaccurate reporting has damaged my personal my life. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX verified an inaccurate account. How do you verify a charge off account? 

As defined by the IRS even if you dont receive a form 1099-C, you must report that as gross income on your tax return. The IRS clearly defines a charge off as gross or ordinary income, income does not get reported on the consumer report! You are hearby put on notice that you are furnishing incorrect inaccurate information.

15 U.S. Code 1681i - Procedure in case of disputed accuracy 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2021-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CO)

We recently refinanced our home with our local Bank XX/XX/XXXX XXXX. They sold our note to AmeriHome Mortgage, XXXX. XXXX XXXX, XXXX, NJ XXXX. 

I have repeatedly tried to get logged into my account to make payments and set up auto pay and have yet to be able to do so. Part of the problem is that there is conflicting information as to who is actually receiving the payments. There is some association with a company named XXXX and there are two different websites that are very confusing. Every time I try to enter or register the sites say they can't find our information. I have had to call and sit on hold during my work hours for extended periods of time and still haven't had my problem resolved. I end up making a payment by phone, which usually involves additional fees, but when I complain profusely they waive the phone fee. I want to get this account set up on auto pay, because I don't want to incur late fees or miss a payment and it seems like the company is doing nothing to fix the problems so that I can get this done. 

I would like the mortgage holder to give me a clear explanation of who actually holds the note, and get my account set up to be paid online without confusion as to who is receiving the payments. 

Thank you for your help!
Consumer complaint received 2021-09-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (LA)

Equifax is requesting increasingly personal information. Each time saying it doesn't recognize phone number I have had for at least 15 years! These are foreign individuals. First one got SS # and heard that my call was related to understanding why XXXX XXXX XXXX would decline coverage based on Consumer Reporting Agency information. THIS SHOULD NEVER HAVE HAPPENED as I did not request coverage with this insurance company and never provided SS #. That person, XXXX, hung up on me. I called back & someone by name of XXXX ( foreign speaking ) gave me great grief regarding additional information she wanted and kept saying " system didn't recognize answers and blocked her '' so needed more and more PERSONAL information. I requested to speak with a Supervisor and was put on TERMINAL hold. Then a recording kept playing over and over again with initializing automated recording all over. I had to call back and finally got a supervisor. It was a nightmare!!!! just trying to confirm that my credit freeze was in place. 
SOMEONE NEEDS TO DO SOMETHING ABOUT THIS AWFUL PROCESS!!!! It was an hour and one half to get a simple answer regarding confirmation of my credit freeze
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I was affected by the security breach at Equifax and am vet angry. I want credit monitors for my life time and not just one year. Any criminal will wait it out one year and then I am at risk. This is wrong.
Consumer complaint received 2021-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: First Technology Federal Credit Union (CA)

On XX/XX/XXXX I applied for a pre-approved credit card offer and got approved for $ XXXX credit limit. As of today I have never been sent the card although Ive spoken to several people at FirstTech Federal Credit Union who have confirmed my approval. Furthermore, Ive been the victim of abusive behavior by their representatives who, instead of helping me find out about my card, processed more applications without my consent for other products. This happened when I called XX/XX/XXXX and XX/XX/XXXX. Multiple applications were processed : XXXX, XXXX, XXXX, all I wanted ( still waiting for ) is the card they approved me for.
Consumer complaint received 2021-01-03
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: EQUIFAX, INC. (KS)

I have sent 3 rounds of disputes! With ZERO updates at all. Over the course of the last 2 months I havent had any of the fraudulent information removed at all! I am hoping you can force the bureaus to take my disputes seriously! 


XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX These inquires where not made by myself! They are fraud!
Consumer complaint received 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Here is what I have sent to Equifax : I have been able for over a week to get online to release our credit reports. Temporarily unavailable. 
So I phone and get email addresses that are returned : Unrouteable address when sent to either XXXX or XXXX. I have transcripts of these calls on my Caption Call phone. 

Heres what we need : Please release the credit reports for my wife and myself in the next or two. We are trying to close a home loan. I have previously faxed the information to Equifax.
Consumer complaint received 2021-09-15
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. (UT)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 XXXX  you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (FL)

On XX/XX/XXXX my Newrez/ Shellpoint mortgage account number XXXX was refinanced. On XX/XX/XXXX my refinancing company, the closing agent, sent full payment of {$190000.00} to pay off my loan with Newrez/Shellpoint. Two weeks later Newrez/Shellpoint sent me my escrow check so I thought everything was well. A couple of days later I started to receive mails that I was late on my mortgage mind you I have never been late. I contacted new Newrez/Shellpoint and their representatives told me that my loan was paid in full and that all was well. However the mails about missed payment kept coming. I call Newrez/Shellpoint again and they said maybe that mail was sent before the loan was marked pay off. Now the mails did not stop now they reported miss payments to the credit bureaus decreasing my credit score dramatically down 101 points. I called newrez and the representative then told me well I see your account pay off but they charged you a late fee of {$35.00}, then she said Ill transfer you to another department. Once transferred I spoke to a man, name XXXX. He looked into it and said he filed a dispute about the false reporting and instructed me to email CBR dispute about the situation and that they would fix it. He also advised me to file a dispute with the credit bureaus which I did. 3 weeks later Newrez reported my account as closed to XXXX  however with a balance of {$190000.00}. They also reported that false information to XXXX. I have proof of the wire transfer to Newrez on XX/XX/XXXX paying off my loan in full. However they keep reporting these false reporting to my credit and ruining my good credit scrore that I have worked hard to keep. When I call them they say one thing and then they report these false report to the bureaus. I also have proof of emails that I have sent to Newrez with no response. I do not know why they are reporting these false reporting of late payments when My account was paid in full.
Consumer complaint received 2021-01-03
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I signed a closing disclosure with Regions Bank but have yet to close. I have been told by XXXX XXXX on XXXX 2020. The date I was suppose to close that the closing was held up because the bond company wanted me to sign the back and front on all the closing estimates documents in the Bank although I had electronically signed them before, and he acknowledged that I had already signed them. I did that and later I learned that this was not something the bond company would request. I also learned noticed there was no signature required on the hard copy so I was told to sign them anywhere on the documents. this may be a way to copy paste my signature on other documents. XXXX XXXX sent out an email stating Regions have never done a XXXX loan and they are having difficulty creating the documents for closing on XX/XX/2020. The closing has been extended several times. I also learned that the home that I have under contract may have been sold by another agent in the same company on XX/XX/XXXX. even though I am still under contract and my loan has been approved. I have documentation of that also. I have yet to close or even given a closing date. This has been going on since. XXXX. I want someone to investigate this ASAP.
Consumer complaint received 2021-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Citizens bank has delayed the fund transferred via XXXX to my account at Citizens. The transfer fund via XXXX between registered recipients normally take several minutes ; however, at Citizens ' bank, it takes three days to deposit into my account. when I asked Citizens to explain the delay, it told me that I didn't register with XXXX. The explanation didn't make sense since I couldn't have been able to transfer via XXXX if I hadn't registered with it. Then, Citizens bank told me that I didn't have a debit card and that was the reason to cause delayed deposit. So, I requested a debit card. Now, with the debit card, Citizens still delays funds to deposit into my account. 

Citizens didn't address the question or fix the issue after my most recent request.
Consumer complaint received 2021-09-15
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: EQUIFAX, INC. (CA)

I the consumer XXXX XXXX XXXX, have been a victim of Identity theft and have unauthorized accounts showing up on my consumer report. When I initially told the companies about the fraudulent information on my consumer report, they have not done anything to remedy this fraud. 15 usc 1681c-2 , states that consumer reporting agencies must block and remove any accounts that are related to identity theft, which my consumer report shows a Bankruptcy and accounts in Bankruptcy and these accounts are related to identity theft, and I never had knowledge of these accounts. The consumer reporting agencies are reporting accounts that are related to Fraud, and I need these removed as they are damaging my reputation, and also violates 15 usc 1692e as it is false and misleading to place this account on my consumer report. My personal information was involved in the Equifax  data breach and I have not had any knowledge as to what extent my identity was stolen.
Consumer complaint received 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NY)

XXXX/XXXX changed online systems which made it difficult to log in and submit payment. My card number was not known because I lost the card during a move from the Pandemic, and calling the lender was impossible since their phones were always busy. Making payments became impossible since I was missing either the card number or their online account management changed, and they wouldnt answer my phone calls throughout XXXX and XXXX. 

Even though I have plenty of resources to pay, I watched the account become delinquent because they made it impossible for me to give them information in order to pay. There were no resources when I tried to reach out. 

Consequently, the account is negative on my credit report. Determined, I spent a whole day calling the Lender dozens of times and finally got through in order to get an agent to take care of this. They removed the charges and I paid the bill ( {$30.00} or something small ) which brought the account current. They admitted fault and gladly brought the account up to speed and removed all late charges or associated problems. 

Since they let me know this wasnt my fault, I disputed this mark on my XXXX report which they removed it. XXXX and XXXX have not removed it. 

XXXX after filing a report said that they agreed with me, but the credit report looks the same, so Im confused. XXXX wont allow me to submit a report and asks me to call customer service. It seems like they are all trying to make it difficult on purpose.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2021-01-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have wrote this company and got a answer from this cpfb with bill and statement saying I paid {$760.00} which is the last payment on this account I never paid {$760.00} on this account who. Made the payment who is the ac, ount really for they won't answer this but tell me ita mine Show me the contract that I signed with this account signature and ID XXXX has deleted this item for payments stated I never made This is fraud Can someone from the cpfb please help me Please have this account deleted I'm sending thw documwnt they want through the cpfb showing I made a {$760.00} payment I never made this payment Also if this payment was made the account wouldnt be {$800.00} since the limit ia {$800.00} that does not make sense {$760.00} from {$800.00} is {$39.00} {$39.00} would be oqed and not {$800.00} It was close when this {$760.00} payment was made I didn't make the payment
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX  account number XXXX is in violation according of 15 USC 1681b reporting inaccurate information. This item is a charge off and should be reporting a {$0.00} balance.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Dear Sir/Madam, I am writing to express my deep concern and dissatisfaction regarding an issue I am experiencing with Chase Bank . On XX/XX/2024, I deposited a check into my Chase checking account from XXXX XXXX  XXXX, issued by my client. The check was for {$61000.00}. 

However, to my dismay, Chase Bank has placed a hold on the check, despite the fact that XXXX XXXX XXXX, the issuer 's bank, has already verified the check with the issuer and released it from their end. Chase Bank has requested a phone number associated with the account that they have on record. Unfortunately, the phone number that the check issuer is not currently using same phone number. So they updated their contact number on their XXXX XXXX XXXXXXXX system. However, Chase is telling me the number they have is not XXXX XXXX XXXX has. And they are not willing to contact XXXX XXXX XXXX or bringing the check issuer to the chase branch to verify herself. By the way, this check was 3rd time I recieved from same check issuer with same XXXX XXXXXXXX XXXX with same account number and routing number and Chase is holding only the last check I recieved which is check amount {$61000.00}. 

I have made numerous attempts to resolve this issue by providing alternative methods of verification, including providing identification and other account details, but Chase Bank has refused to accept any other form of verification and continues to hold the funds without providing a clear explanation. 

I find it highly concerning and frustrating that Chase Bank is withholding my funds despite verification from the issuer 's bank and their refusal to explore other methods of verification. This has caused undue financial strain and inconvenience for me. Not only holding the check now Chase restricted my entire business account so I can not do any activities with my account including spending and receiving. 

I kindly request that Chase Bank promptly release the hold on my funds and process the deposit in a timely manner. I also request a formal investigation into this matter to prevent similar issues from occurring in the future. 

I expect a prompt and satisfactory resolution to this matter. If necessary, I am prepared to escalate this complaint to higher authorities and regulatory bodies. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely,
Consumer complaint received 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I received an email from XXXX XXXX, a MasterCard that I did not apply for an application for. The time of this email was at XXXX XXXX. The bank that approves this XXXX XXXX Credit Card is Citibank, as I was affected by a Citibank Data Breach when I applied for a credit card back in XXXX. Second, Citibank of XXXX XXXX states, " derogatory public record collection filed '', that I had already filed with the FTC, but was not provided a reference number for that complaint. Moreover, states, " lack of recent bank/national revolving information which seems to be an invalid reason due to reasons that do not apply to myself from my credit report. I was also affected by the XXXX Data Breach that I refiled on XX/XX/XXXX, a claim confirmation, submitted claim id # is XXXX, a confirmation code # XXXX.The XXXX County Sheriff Office has been informed to a XXXX XXXX  with a permanent case number of XXXX. As evidence to confirm this complaint, a XXXX debit card I previously had was illegally attached to a XXXX XXXX account ending in XXXX, and XXXX XXXX dispute case number is XXXX XXXX. I am applying the XXXX Data Breach and the Citibank Data Breach from XXXX - XXXX has UNRESOLVED and continues to affect my ability to having accuracy reporting from the " Fair Credit Reporting Act '' as deemed by law that I as a consumer. This same complaint is for a XXXX, XXXX XXXX  XXXX store credit card, as well as a Master Card. The same invalid reason of " Derogatory public record of collection filed '', and secondary invalid reason is " Lack of recent bank/national revolving information '' when I have information that differs from what the " Fair Credit Reporting Act '' complies with. I have a claim with the XXXX  Public Record Settlement from XX/XX/XXXX, a letter confirming this from the Claims Administrator from the XXXX Class Action Settlement. I am seeking punitive damages due to the inaccuracy of 1 ) invalid, not applicable denial reasons that do not apply to my credit history since these two data breaches still have NOT BE RESOLVED of an unspecified amount.