davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-15
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. (LA)

Equifax is in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) which states the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

Equifax is in violation of 15 USC 1681a ( o ) ( 5 ) ( A ) ( i ) which states that with respect to which the consumer who is the subject of the communication consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; Equifax never received consent from me, the consumer.

Equifax is in violation of 15 USC 1681a ( e ) which states that a consumer report which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. Equifax NEVER did such interviews with any neighbors, friends, etc.

Equifax is in violation of 15 USC 1681b ( a ) ( 2 ) which states any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. Equifax has never received written instruction from me.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (NC)

I took on a covid forbearance on a loan last year. When my forbearance was ending I applied for a deferral of the payment to the end of the loan. Suntrust claimed they never received this application. 
I started making payments on my loan in XXXX of XXXX after talking to them on the phone about my new plan. They said multiple times that they were so understaffed that they had no idea when my deferral application would be processed. I continued to make payments per the agreement I signed up for and verbally discussed with Suntrust. 
XXXX comes after I make two payments. They start a foreclosure process. I'm charged for a XXXX valuation because the systems at the bank where the foreclosure starts were not talking to the covid deferral and forbearance departments. I talk to someone again about these charges and they say again that they are so far behind that they have no idea when my paperwork for my deferral application will be processed. 
XXXX comes. I have now made 3 payments on my loan. I get a late fee because the systems still aren't talking to each other. I call and get this reversed and plead to the representative to make sure there is nothing damaging to my credit as a result of their misplaced paperwork and backlog that every other bank seems to be working through without the problems that Suntrust/BBT now Truist has. I am told that my application has been escalated and it might be 3-6 weeks before it is approved. I can not imagine what an application that wasn't escalated would take. 
Here comes XXXX. I get a negative credit report alert from a credit monitoring service. I am dinged for a late payment after making 4 on-time payments. I call again. I am told that there is nothing Suntrust/BBT now Truist can do immediately and they are going to look into this sometime within the next 30 days. My credit score has dropped 100 points and someone might do something about it in the next month. This has been escalated again, but through a new process because Suntrust/BBT now Truist realized their old escalation process was completely ineffective and was damaging to their customers.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (CA)

My flight was canelled. Chase Sapphire covers interruptions up to XXXX XXXX I filed a claim for my hotel stay to be reimbursed and XXXX ( the company who has been contracted out to handle the claim ) is misleading me. I have called in several times and keep getting conflicting reports about my claim. 

I have submitted all the relevant documentation and have yet to receive any material updates.
Consumer complaint received 2021-01-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Armada Corp. (FL)

I recently checked my credit score and saw that there was a medical debt from 2019  on it from WA. I havent even lived in WA for over 2 years. 

I sent a letter through certified mail on the XXXX of XXXX to the collections agency requesting proof of the debt as well as more details and still have not received a response. I have a receipt showing when I sent the letter.
Consumer complaint received 2021-01-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I have a PAID Charge-Off with XXXX XXXX XXXX that I have been disputing with the bureau continuously since XX/XX/2020! I sent a second dispute on XX/XX/2020, after the bureau did not correspond with me ( I am aware that they have 45 days, and I am STILL waiting for responses from them ).
Consumer complaint received 2023-06-22
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. (GA)

I have one account with XXXX XXXX XXXX XXXX ; that account is open, and that account is not late 30 to 60 days Yet this one XXXX XXXX XXXX XXXX Account reports in duplicate on two crediit Bureaus and three times on the third credit bureauu. Each and every time this reports, it reports incorrect status, closed, written off, charged off, the balance is incorrect on each and every one of them, and they all report written off as recently as last month and late 60 days this month. Everyone of these derogatory items is incorrect Credit bureaus will not look at my paperwork and correct the balance. SEE ATTACHED Credit bureaus will not look at my paperwork and correct account as being an open account. SEE ATTACHED Credit bureaus will not delete duplicate or triplicate accounts from my credit report. These duplicate or triplicate accounts are obvious on their face because theyre all were opened the exact same date in the exact same amount... .Insane to continue to report more than once every time they get XXXX XXXX to confirm it, they just make all the derogatory items worse, and everything gets worse when reported on crefit reports
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is my second complaint. I am not going away. 

XXXXXXXX XXXX is incorrectly reporting two late payments in XXXX and XXXX of 2021 and an incorrect date of my account 's closure upon entering a XXXX XXXX XXXX. I have filed multiple disputes with evidence to the credit bureaus, but nothing has changed on my report, and these erroneous late payments which appeared more than a year after the months in question had passed are harming my score and were maliciously added to my financial profile. I consider this to be defamatory. XXXXXXXX XXXX  has also declined to grant a " good will '' adjustment. While that is certainly their right, and although they are under no obligation to honor such a request, extending a morsel of mercy is within their power.
Consumer complaint received 2023-01-24
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. (LA)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX XXXXXXXX Balance : {$1300.00}
Consumer complaint received 2021-01-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (WI)

I lost my job due to Covid in XXXX of 2020 and entered the forbearance programs for a second mortgage, a primary mortgage, and two car loans all with different institutions. After obtaining a new job, the primary mortgage and car loans have been successfully removed from forbearance and I am current on payments. We have been attempting, since I believe XXXX of 2020, to resolve the forbearance on our second mortgage. Due to a sequence of missteps from the lending institution we have been unable to successfully resolve the situation. 

In theory the current state is that the mortgage is in review to append the current past due amount to the end of the loan. This was in theory sent to an underwriter on XX/XX/XXXX with a 30-45 day turnaround time. I spoke with the bank again on XX/XX/XXXX and they told me to call back in a week or two, bringing that review to up to 60 days. 

At this point I don't believe them because in previous conversations they claimed we were at the same state several times, and they claim that I turned down the modification. I did no such thing. I am concerned that they will again lose the current state and we will have to start all over again.
Consumer complaint received 2021-01-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CA)

I was approved for the COVID forbearance by Dovenmuehle in XXXX of XXXX for payments of XX/XX/XXXX to XX/XX/XXXX. The first repayment was supposed to be XX/XX/XXXX with the months of forbearance tacked on to the end of the loan. XXXX came around and I had to call to make a payment. My account had not been updated to reflect my new payments so customer service decided it was best I make the usual payments I was making before the forbearance. I repeated this process from then until now, XX/XX/XXXX. The first 3 months when I called to pay I inquired about the end of my forbearance and I was told each time that underwriting would send me papers with options to sign and send back. I still have yet to receive those papers. Fast forward to today, XX/XX/XXXX, I called to make my same payment and I am unable to get through to anybody to make that payment. I logged on to my online account and I am unable to make any kind of payment. The company, Dovenmuehle, has been keeping me in the dark for a while now and I am not sure what to do.
Consumer complaint received 2021-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (OR)

XX/XX/XXXX - approved for new Citi Double Cash credit card XX/XX/XXXX - still did not receive card so called. Recording asked for full social security number ( not just last 4 digits ). Recording stuck me in a loop as I don't want to enter my full social. Representative answered and also requested my full social security number. I said no and that I was fairly certain it was illegal for her to have that kind of access. 
XX/XX/XXXX complained via survey regarding the social security number issue XX/XX/XXXX complained via chat to Citi agent " XXXX '' as no follow up had occurred from Citi. XXXX logged a complaint report but did not advise if/when I would hear follow up and how my concerns about this security issue/breach of privacy will be remediated. I was provided with a case number - XXXX - but do not feel confident that Citi will take steps to protect its consumers.
Consumer complaint received 2021-03-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (OK)

My name is XXXX XXXX. 
For over year, I have been trying to close my checking account at Santander bank. However, Ive been unsuccessful. 
I wrote a letter several times requesting to close my accounts but the still would not close it. They took step to close my savings account which had no funds in it. But they refuse to close my checking account which has all my funds in it ( {$4000.00} ). When I write checks they refuse to pay out the checks. 
So Im asking once again to close my account and send me my remaining balance at my new address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AL)

JPMCB - CARD SERVICES XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Tower Loan XX/XX/XXXX SYNCB/Paypal XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2021 I deposited a check issued by the Department of Industrial Relations stamped and sealed with The Great Seal Of The United States of California and State of California XXXX MA CPA Treasurer to my account mentioned herewithin Capital One 360 Checking account. Upon successful signing over, submitting photo copies of front and back with proper endorsement to the receiving bank, Capital One 360 Checking account, the account was temporarily adjusted with two installments of {$1000.00} ( pending ) and {$4000.00} ( pending ) with a deposit {$5000.00}. I, XXXX XXXX, later received a email notice that since the check was received after their processing time on Eastern Standard time, the check will be processed the following business day which is why the account now reflects XX/XX/2021 instead of XX/XX/2021. Still to this date and forward, the check has not been issued. This account that has been mentioned herewith is not a newer account less than 30 days but almost a year old. No suspicious activity has never occurred on this account whatsoever nor have I ever made any negative balances that would ring the additional provisioning. Attached hereto you will see Exhibit A, B, and C of Screen shots of the pending transactions. After communicating on the Phone with them directly and even requesting them to no longer process the check which they happily declined as well, I was told that by it being submitted digitally, they supercede the Federal Laws on availability of funds. 
" Banks can delay the availability of funds on Treasury checks when people deposit them into accounts less than 30 days old, or into accounts not owned by the payee. Proceeds from large dollar checks are split, with the first {$5000.00} not subject to delay. But balances in excess of that are held for up to seven business days. '' Again, what seems to be the problem?
Consumer complaint received 2021-01-15
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Late payments XXXX, XX/XX/2020 capital One bank USA Late payment XX/XX/2020 XXXX XXXX  These cards are business accounts used for Counseling Solutions, a counseling health care business in XXXX, Texas. 

During COVID we were closed for two months until we could service clients online. The payments were caught up immediately when we returned to the office late XXXX, 2020. 

I have spoken to the companies and appealed these items since they destroyed by credit score. Both ascertain COVID is no reason to not pay ; I also explained that I had called each business at the end of XXXX to let them know the payments would be late. The Customer a service Reps told me to do what I could to pay ( whatever that meant ). 

I had exceptional credit history before these. 

Please help me resolve these horrible marks on my credit report ; these businesses will not help me.
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (TN)

To whom it may concern- Im writing to dispute a charge made to my Barclay credit card after the card was canceled. On XX/XX/XXXX, I called and canceled my Barclaycard,  which held a {$0.00} balance. On XX/XX/XXXX, a XXXX charge of {$2.00} was processed on my card. I was completely unaware of this charge until XXXX/XX/XX/XXXX, when a lending agency pulled our credit report, which showed late payments and my account had been sent to collections. I had not received one billing statement between XXXX and XXXX, notifying me of an outstanding balance or late fees. As my credit card history shows, I paid my credit card off monthly and had been in good standing with Barclaycard. 

After learning of the overdue balance, I paid my balance of {$3.00} in XX/XX/XXXX, and Barclaycard waived the late fees because Braclay agreed that the error was theirs and they waived all fees and penalties. They also agreed at that time to fix it with the credit bureaus. However, the delinquency charges remain on my credit report. I found this out when I was refinancing my home and had to pay over a thousand dollars in points to get the rate I should have received because of my now bad credit. We spoke with the Barclay credit department, billing disputes department, and even resolution managers from Barclaycard. On XX/XX/XXXX, we spoke with a resolutions manager who agreed to remove the delinquency charges from the account since the charge was processed after the card had been closed. She said this information would be reported to the credit bureau on the evening of XX/XX/XXXX and that we would receive a letter in 7-10 business days notifying us of the changes. On XX/XX/XXXX, we called Barclaycard to follow up. After speaking with several customer service representatives, we were transferred to XXXX, a Resolutions Manager in Nevada, who then told us that the delinquency charges would remained on the account and that a letter had not been sent and they would not be helping us fix this because they had not made a mistake. We were informed that we should write a letter but that they would likely not do anything different and the fault was ours for not checking on the account. An account that had been closed with a {$0.00} balance. 

Im asking you to remove the delinquency charges from my account and report this information to the credit bureau for three reasons : 1 ) The charge was made after the account had been closed. 
2 ) We did not receive a billing statement or email notifying us of these charges. 
3 ) A Barclaycard manager already agreed to make these changes and then failed to do so.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, 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. (IN)

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 resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal protection consumer. NO CONSENT IS IDENTITY THEFT. As a consume! lam demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX. I called TransUnion because the numerous credit inquiries were not made by me. TransUnion continued to tell me that I needed to catch each creditor to dispute these inquiries. After I did my research and called the creditors and was told that I needed to call TransUnion. Also I gained knowledge that by law I needed to dispute with TransUnion. TransUnion continued to ignore my request to dispute these inquiries.
Consumer complaint received 2023-06-21
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. (MA)

I am writing to submit a formal complaint against Equifax regarding inaccurate information on my credit report. Despite my previous contact with Equifax on XX/XX/XXXX, I have not received any response or resolution regarding the following incorrect information : XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : XXXX ) - This account does not belong to me, and I request its immediate removal from my credit report. 
XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : XXXX  ) - I have no association with this account, and I request its prompt removal from my credit report. 
COLLECTION ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : XXXX XXXX - This account is not mine, and I request its expeditious removal from my credit report. 
XXXX XXXX XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : XXXX XXXX  - I am not responsible for this account, and I request its immediate removal from my credit report.