davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Pursuant to 15 USC 1681e ( b ) - A consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the circumstance Pursuant to 15 USC 1681i ( 5 ) - 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 the consumer reporting agency shall, ( i ) promplty 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 This said account has CHARGED OFF and i have received a 1099c from creditor and Im wanting to get this account removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-02
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. (TX)

On XX/XX/XXXX XXXX, equifax and XXXX reported a new collections account on my report. XXXX XXXX XXXX is the collector and the account belongs to XXXX which was XXXX XXXX XXXX. On XX/XX/XXXX I paid the account in full with XXXX even though I dont believe the debt to be accurate because they told me they would delete it from my credit report. The conversation was recorded and happened with 2 separate employees. These collections need to be removed from my account ASAP
Consumer complaint received 2021-03-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: eToro USA LLC (CA)

I transferred US {$500.00} to etoro on XX/XX/2021 via ACh transfer but the money never arrived at my account with etoro. 
I tried to contact etoro costume service ( which was very slow ) and after providing the documents they needed I received an email on XX/XX/2021 that it was forwarded to the payment team for review. However, today, XX/XX/2021 I received an email saying that my case with etoro had been marked as solved but the funds are not available on my etoro account or were sent back to my bank account. 
It's been 3 weeks since I sent the money and tried to contact etoro but I keep hitting a wall and not able to get a clear understanding of what is going on and what should I expect, and as mentioned, to make things worse they marked my case as solved. 

I also tried to post on their message board while tagging costumer support but again no response as of the time of writing this complaint. 

Please see attached correspondence with etoro costumer service regarding the case I will appreciate any help in resolving this matter. 
Thank you in advance, XXXX XXXX
Consumer complaint received 2021-03-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: WELLS FARGO & COMPANY (GA)

I sent a letter to Wells Fargo XXXX XXXX asking Wells Fargo for debt validation of the credit card debt. I stated that if Wells Fargo could not validate the debt to delete it.The letter was mail certified mail with a return receipt. I received a letter from Wells Fargo on XXXX XXXX. After reviewing the letter I received from Wells Fargo I found several exhibits that violate my consumer rights. I have sent a Affidavit of Truth to Wells Fargo demonstrating my consumer rights that are being violated labeled Exhibit A, B, C, D, and E. I sent this letter certified mail with a return receipt. I have not received a response.
Consumer complaint received 2021-06-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (CA)

My wife and I are both XXXX  with excellent income, assets and credit scores, and previous success over many years in obtaining mortgages and refinancing. 

We applied to Flagstar Bank on XX/XX/2021 to refinance the mortgage on our home. 
On XX/XX/XXXX they provided us with a Loan Estimate and on XX/XX/XXXX promised in writing Lender Credits of {$2500.00}. 
They provided a conditional Approval letter on XX/XX/XXXX and indicated that the estimated closing date was XX/XX/2021. 

It is now more than 20 weeks since we applied, and during that time they have asked us to upload over 100 documents, often asking us repeatedly to upload documents which have already been uploaded and can clearly be seen on their website. 
The delays caused by Flagstar have led to expiry of some documents such as payoff statements, requiring us to re-obtain and re-submit these. 
As each month has gone past, Flagstar has asked for updated bank statements and other documents month by month, in spite of already having detailed financial records and tax returns for the last three years. 
They have issued multiple Loan Estimates, each having higher costs, and including unrealistic and probably untrue expenses such as {$3000.00} for appraisal of our three bedroom house. We will upload the latest three Loan Estimates and a screenshot from Flagstar Bank of the current Loan Status, and have thorough documentation. 

We have attempted to resolve these issues with Flagstar Bank directly, without success. 

We consider the demands from Flagstar Bank unreasonable and suspect that they are a delaying tactic, and that Flagstar is attempting to evade its commitments and promises. 
This behavior by Flagstar Bank does not appear to be consistent with truth in lending. 

We are aware that other potential customers of Flagstar Bank have had similar experiences.
Consumer complaint received 2021-01-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC (FL)

On XX/XX/XXXX I did a consumer credit transaction with XXXX. The total amount of the transaction was for {$3300.00}. A few weeks after the initial transaction I received a bill requesting that a payment be made. Moving forward this alleged debt was sold to Cavalry XXXX XXXX. On XX/XX/XXXX I received a communication by mail from an attorney 's office hired by Cavalry who goes by the name of XXXX XXXX XXXX, XXXX. Months later, I discovered that there was a court case opened by Cavalry SPV, LLC and XXXX, XXXX and it's attorney XXXX XXXX XXXX. The case was filed on XX/XX/XXXX and was never served or notified of this action which is illegal and required by law that anyone being sued must be served with a court order. After discovering this lawsuit, I communicated with attorney XXXX XXXX XXXX via mail and sent them over documents stating that they are in violation of the Fair Debt Collection Practices Act, 15 USC 1692 and the Fair Credit Reporting Act, 15 USC 1681. Cavalry received these documents on XXXX at XXXXXXXX XXXX. Today I am contacting the CFPB to get this matter resolved as quickly as possible, as the information on my credit report is illegal and is damaging my reputation.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 2023-03-31
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX 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 2021-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I disputed a charge for a purchase. The purchase received as a counterfeit. Capital One claimed they did not receive the requested documentation from me and closed my claim. I faxed the documentation, and they again claimed they could not processed my claim. They are in violation of the credit card agreement by not processing this claim.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit ReportXXXX XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX SS # ENDING IN XXXX
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX SS # ENDING IN XXXX
Consumer complaint received 2021-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been a XXXX and XXXX XXXX card holders for over 3 years combine. I have never been late until the last year XX/XX/XXXX, and the reason for my lateness are because I was laid off from work and I had no source of income. I had to use my Credit cards to survive and stay afloat, in the process I missed a payment or two. I payed both cards complete off. 

In XX/XX/XXXX I was still laid off and couldnt obtain any suitable job, and the worst was yet to happen. On XX/XX/XXXX I lose both my grandmother and sister to XXXX and I use my credit cards again to pay for theyre funeral and in the process I was late again. I am asking please give me this one time good will adjustment I learned from my mistake Ive set up automatic payments with all creditors and been paying on time. The late payments are hindering me from getting approved for a mortgage loan and auto loan which I desperately since my lease is almost over and my vehicle broke down. Please I beg you to consider a late payment forgiveness towards my credit report.
Consumer complaint received 2021-06-15
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. (FL)

I have been a XXXX and XXXX XXXX card holders for over 3 years combine. I have never been late until the last year XX/XX/XXXX, and the reason for my lateness are because I was laid off from work and I had no source of income. I had to use my Credit cards to survive and stay afloat, in the process I missed a payment or two. I payed both cards complete off. 

In XX/XX/XXXX I was still laid off and couldnt obtain any suitable job, and the worst was yet to happen. On XX/XX/XXXX I lose both my grandmother and sister to XXXX and I use my credit cards again to pay for theyre funeral and in the process I was late again. I am asking please give me this one time good will adjustment I learned from my mistake Ive set up automatic payments with all creditors and been paying on time. The late payments are hindering me from getting approved for a mortgage loan and auto loan which I desperately since my lease is almost over and my vehicle broke down. Please I beg you to consider a late payment forgiveness towards my credit report.
Consumer complaint received 2021-07-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service (NY)

On XX/XX/2020 XXXX Submitted a response to the complaint that was blurry from pages 4 to 13. No images can be seen from their collection fee that was agreed upon or ever told to the servicemember. If consumer finance can review the entire file before closing the complaint it would help everyone involved as the so called explanation is unreadable please. 

XXXX can not provide any documentation on fees. I've had the funds for some time to pay the principle and interest off but am unable to as they wish to collect a fee. 
I have constantly asked for paperwork regarding their collection fee and none can be provided. This is happening to every veteran who unfortunately defaulted on the star card. I've had the funds to pay for awhile now, however XXXX has and is continuing to charge an illegal/ unexplainable collection fee of over {$1400.00} In the attached file the response from XXXX was : " Please be advised that the account balance may be periodically increased due to the addition of accrued interest, as provided in the agreement with the original creditor, or as otherwise provided by applicable law ''. 

No where indicating a fee, followed by a unreadable/ blurry statement ( pg 4 to 13 )
Consumer complaint received 2021-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MA)

My student loans were transferred from XXXX to MyFedLoan in XX/XX/XXXX. I was in an income based repayment play with XXXX. Without my consent, myfedloan took me out of income based repayment and placed me in forbearance. I discovered this, and I called Myfedloan at the time and asked not to be placed in forbearance. However they said they were unable to do this, but that I could make the payments anyways and then submit a request to have those payments " accepted ''. I made the payments on time and submitted this request to have those payments accepted. Myfedloan sent me a letter in XXXX documenting that they were going to accept those payments. However, now, 4 years later, their system for tracking eligible payments has my payments from XXXX and XX/XX/XXXX marked as ineligible since I was in forebearance. I called about this in XX/XX/XXXX and after a long phone call they said that this was a mistake on their part and that it would be corrected. I called back several months later to check in on the status of this and they said they were working on it. I called again in XX/XX/XXXX and they said the request was never put in, but that they would put in the request now. I contacted them again in XX/XX/XXXX and they said that they were working on it, but were unable to give any time frame for expectations of completion. The system does not show that they are working on it. I can not accept that it takes more than 11 months to correct their own administrative mistake. I've been unable to escalate my concerns to anyone at myfedloan to get assurances they are actually working on it or to get an actual timeframe on how long this should take to fix.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS # ENDING IN XXXX
Consumer complaint received 2021-07-01
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. (MD)

I contacted the creditor, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.