davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-24
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)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. PLEASE REMOVE THESE ERRONEOUS ACCOUNTS THAT REPORTING ON MY CREDIT REPORT : AMERICAN XXXX XXXX ***** Opened Date XX/XX/XXXX Balance {$8100.00} Charge off XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} Charge off
Consumer complaint received 2022-12-27
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. (NJ)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-27
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. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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. 

XXXX. XXXXXXXX XXXX XXXX  # XXXX
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have disputed this account with EXPERIAN, XXXX AND XXXX and advised this account is not mines, this unknown account is with a collections agency. This account has yet to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MNXXXX ( XXXX ) XXXX. EXPERIAN, XXXX  AND XXXX. This company has placed a debt that I have not been made aware of and have no knowledge of on my credit report. This debt in the amount of {$700.00} was placed on XX/XX/XXXX and this collections that does not belong to me and has ruined my credit and I requested for this to be removed from my credit reports. THIS IS NOT MY ACCOUNT!
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (WI)

On XX/XX/XXXX I noticed an unauthorized charge on my account, I instantly contacted card member services and reported this. They sent it thru as a fraud charge and after a week or so they credited my account, then I received a letter in the beginning of XXXX stating they are going to reverse that charge stating that it wasn't fraud because I do have an account with XXXX who charged my debit card. When I received the letter I then contacted card member services again and I asked why it was denied if I did not authorize this charge. They told me it shouldn't have gone thru as a fraud charge it should have gone thru as a disputed charge. I explained I did not decide how it went thru they did. They then said they couldn't change it to a disputed charge unless I could prove I didn't authorize the charge. So I sent them a screenshot of my account with XXXX that showed I had a free membership. So finally on XX/XX/XXXX they put the funds of {$410.00} back in my account. I had to work with the branch manager at my bank to get 11 overdraft fees reversed also. Now today XXXX I received another letter from card member services that state on XX/XX/XXXX they are taking the funds from me again. The reason the letter states is that I received the services for this charge even though I still to date have a free membership. Again today I instantly called them and no one can help me because the case worker isn't available and what their notes show is that it was denied due to incorrect amount? I even spoke with a manager named XXXX tonight who stated that all she can do is put in for a call back. I have asked for several call backs from them and have never received them.
Consumer complaint received 2023-11-29
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXXXXXX was listed for an inquiry on my credit report.Other inquiries listed below : Account name : XXXX XXXX. 
Account name : XXXX XXXXXXXX XXXX 
Account XXXX XXXX XXXX 

All have 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 a account without my written instructions. 15 U.S.C. 1681c. ( A ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) 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.
Consumer complaint received 2020-06-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (OH)

Roughly 9 months ago, I received promotional advertising from JPMorgan Chase for a CD account with a relatively high interest rate ( if I remember correctly 2-3 % ) and I signed up for this promotional account and placed {$10000.00} in the account. 9 months passed and I did not touch the money. Then I received a letter in the mail AND an email from Chase saying that the 9 months account was coming to an end on XX/XX/XXXX. Instead of my funds returning my Chase savings account, the letter stated that the funds would automatically be placed in another CD account at a significantly lower interest rate ( if I remember correctly .01-.03 % ) if I took no action. Both the letter AND the email stated that I could " withdraw some or all of my funds '' out of the CD account by " visiting a branch '' OR calling a number. 

As of the writing of this complaint ( XX/XX/20 ), I have called Chase a total of 7 times and talked on the phone with many representatives for a total of ~2 hours and I still can not get my funds withdrawn from my CD account into my savings account. 

My simple request has been the same on every call : close the CD account and transfer all those funds into my Chase savings account. For some reason, the company says that they can not do it over the phone, despite their representations at sign up AND closure that they could. I only have 10 days from XX/XX/20 to close this account and I am currently away from my home. 

My request to the CFPB is the same, I would like to have my money located in the CD account transferred back into my savings account without any fees or charges.
Consumer complaint received 2019-12-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ralis Services Corporation (CA)

Owning.com claims on the home page of their web site that they will " refinance your mortgage with no closing costs ''. 

However, after talking with the agent from owning, they claim that XXXX XXXX XXXX charges a 1 % fee for the loan. After investigating this, I have found that this is a false statement. They do NOT charge anything. 

There are two issues : 1. Owning.com is claiming that there are no closing costs. This implies a no cost refinance for the person refinancing and 2. XXXX/XXXX do not charge a fee, which one can only assume is another way for Owning.com to get paid to do the loan. A refinance fee on a $ XXXX loan at 1 % is {$5000.00}. 

This misleading fee is a " bad faith '' charge and is not legal. I have yet to see this in writing from Owning. Owning needs to tell the truth or stop this practice. This is NOT a " no closing costs '' loan, as they are claiming.
Consumer complaint received 2024-04-08
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Mr. Cooper Group Inc. (CA)

I had to move out of my house for water leak repair. The insurance has paid me the money for repairs. The check was made out to me and my mortgage ( Mr.Cooper mortgage co ) .They keep holding onto the money for repairs for required paperwork. So frustrating. I need to pay the Restoration company for the repairs they made to my house.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NE)

The collection company Portfolio Recovery sent me a settlement offer. I accepted the offer & made the XXXX time payment to them in XX/XX/2024. My credit report still shows this company is reporting this & that I am past due. This is not correct. Can u please have them correct this?
Consumer complaint received 2021-11-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2020-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UMB FINANCIAL CORPORATION (MO)

I want to report that this bank is practicing things that are not favorable to the customer. I checked online banking ( I have pictures ) and my account was and still is fine but there was an overdraft fee. When I call in the guy tells me pending items that are not posted can give you a fee and online banking cant show real time items and the balance in there back system tells them why I got an fee. However the screen shots dont reflect that and it doesn't make sense that you provide me a product that doesn't work to help maintain my account. If at the end of business i see XXXX why do they have XXXX. That would have reflected pending items and there for I shouldn't have had an overdraft fee because there was enough money to clear the check from my actual balance. The bank is getting over and this should be looked at. I do have pictures to prove this. This is not good practice especially in this time.
Consumer complaint received 2019-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (AL)

Regions bank is charging overdraft fees on pending transactions, that don't affect the posted balance. This practice is unfair, and goes against the customer. If my posted balance is positive, I should not receive an overdraft fee, because technically my account is not overdrawn. On XX/XX/19 2 transactions posted ( {$7.00} + {$3.00} ) and left a balance of {$58.00}, which is the current balance of the account as of XX/XX/19. I received an overdraft fee on XX/XX/19, with the account having a positive posted balance and never had gone into an overdrawn status. I called Regions customer service on XX/XX/19 to get this resolved, and was told that Regions policy is that they use the pending transactions during processing, as if they posted to calculate the balance and assess fees. This is unfair. I have banked with Regions for 12 years, and the bank has always had unfair overdraft policies, which I have been a victim.
Consumer complaint received 2022-12-27
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. (TN)

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-12-27
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. (TN)

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-12-27
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. (NY)

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-01-04
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. (NC)

There are many accounts and inquireies on my credit reports and i have reached out to creditors and credit bureaus with FTC reports and they are not responding to the letters i sent them and are causing many issues to my credit report.
Consumer complaint received 2020-01-04
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. (NC)

There are many accounts and inquireies on my credit reports and i have reached out to creditors and credit bureaus with FTC reports and they are not responding to the letters i sent them and are causing many issues to my credit report.
Consumer complaint received 2022-12-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (CA)

In XX/XX/2021, I incurred a vet expense and applied for this credit card with Synchrony Care Credit. However, what I was not aware of was that they had applied a security card charge billing me monthly. Recently, I discovered that they had billed me for a total amount of {$1000.00} in security charge fees. I filed a complaint to them and they refunded me for {$810.00}. I requested for the remaining refund for the difference of {$240.00}. However, each time I spoke to an agent, they deferred me to a supervisor who would get back to me the next business day. I've contacted them for 4 times now and no one has reached out to me. Each time I call, there is no way I can get this resolved. 

I was told I was unable to retrieve the two billing statements reflective of the combined amount of {$240.00} since that has been more than a year. The amounts provided are based on what the representative informed me over the phone. 

case # /call ID # lookup XXXX
Consumer complaint received 2020-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I opened a store card with Saks 5th Avenue on XX/XX/XXXX. When I opened the card it was at the store. The card was approved for a credit limit of XXXX  dollars. I purchased 2 things, and purchased one more thing in which the sales person had to call in to approve it, because it put me over my credit limit. On XX/XX/XXXX I got an alert from XXXX that Saks 5th Avenue reported my balance to XXXX, which dropped my credit 55 points. How is it reporting before I have even received a bill, and also reporting a balance on the first day of opening card. This balance Also reported to XXXX which dropped my score 83 points. I talked to two supervisors from saks 5th Avenue card services. The first one said that it wasnt reported from them because it hasnt been 30 days and the only thing that should be reporting is a inquiry. The second supervisor said that my closing date was XX/XX/XXXX. So why did it report my balance on XX/XX/XXXX. I never received a bill or a closing date. This has been detrimental to my credit report. Ive never had a credit card that has reported a balance before a bill has been generated or before the closing date.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I've called XXXX XXXX several times and advised them my information was incorrect. According to my credit report. I never had lights in my name until XXXX in my very first XXXX I'm currently XXXX XXXXt. I've disputed this several times with XXXX XXXX and credit bureaus. I was told lights were turned on in my name between XXXX and XXXX. I was still able to get lights turned on where I currently live but it's showing on my credit report which is affecting my credit.
Consumer complaint received 2020-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2020 Bank of America charged me a {$12.00} fee to move funds from my savings account to my checking account. They moved {$18.00} from my savings to my checking account and charged me the above fee. There was no reason to do that though because I had {$23.00} in my checking account and no cleared charges made my account go below {$0.00}. 

I did speak to three different people ( two on XX/XX/2020 and one on XX/XX/2020 ) and it was the third one who issued a reversal of the {$12.00} charge.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

I Attempted to access my CONSUMER FILE but encountered some issues. I have rights to the disclosure to me my consumer file pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I demand a copy of my consumer FILE from YOU to be mailed to me at the address on my proper identification. I demand a response from you within 15 days of this complaint. Along with this complaint is a copy of my proper identification. Thank you for your cooperation.