davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter to XXXX, Transunion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-08
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: Experian Information Solutions Inc. (FL)

My experian score dated for XXXX was a XXXX. I received a email from experian on XXXX that my score had reduced. I signed on to the experian site, and my score was a XXXX. There was a collection submitted on that very same day. I had no other collections. Within an hour, I contacted the collection agency and they where able to find the account as an error. They removed/deleted the account completely on the same day. However, my score only went up to a XXXX. I tried to rectify this with experian but all they tell you is there is no explanation. Well I find it simple, my score was a XXXX on XXXX, then a collection is submitted on XXXX, then that same day, the collection agency deletes the account and my score only goes up to a XXXX. Experian holds our life 's in their hands, it controls whether we fail or succeed and can't offer an explanation. I want my score correctly reported. I am financing a home, and they have the power to destroy my life.
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (NC)

I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all the discrepencies. Please remove this inaccurate information as your in violation. According to the 15 U.S.C. 1681 there should not be any errors on my credit report.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX. 
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 also states a consumer reporting agency can not furnish a account without written instructions. 
I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.
Consumer complaint received 2021-01-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NV)

Coinbase Disconnected my account and deleted all the corresponding verification emails. This company has a history of unethical and deceptive tactics as well as zero human customer service interaction. The CEO is a billionaire who I have my own suspicions about. This is the second time they have costed me over XXXX $ in damages. They freeze and suspend accounts for their own personal profit.
Consumer complaint received 2021-01-08
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: Ability Recovery Services, LLC (GA)

Ability recovery services is reporting to the credit agencies stating I owe them money for several accounts. There is absolutely no signed legal documentation for a contract between myself and Ability. I wrote them a letter back in XXXX referencing 15 USC 1692A-E and gave them 30 days to remove from my credit reports. It was delivered and signed for via certified mail. No contact from them has been made as of today.
Consumer complaint received 2021-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CO)

Hello, I was arbitrarily charged a {$30.00} fee for a XXXX IRA account I have held open for over a year. I have never been charged a fee. They recently charged me this fee. Then on top of this they charged a {$35.00} overdraft fee which is a fee on top of another fee. Had I known they were going to start charging all of these fees I would have closed it long ago. I spoke with the company but they were not helpful.
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (MA)

I submitted a payment via bill pay through my bank on XXXX XXXX XXXX Aspire appiled the payment, but didn't apply it towards the actual payment due, hence doubling my monthly obligation. I don't understand how a bill pay service can not be used to pay your bills through your bank. This was my first time using XXXX XXXX to pay this. I was informed that because I made the payment on the same day that the statement generated, it was counted as an " extra payment '' by their chat team. 

XXXX XXXX I see that your statement is only generated on XXXX of every month. Since the payment was received on the statement date, it will only be considered as an additional payment and will be adjusted towards your account balance. This will not impact your minimum payment.
Consumer complaint received 2021-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I have a Fifth/Third Bank 360 Prepaid Card. 
They run a scam on customers whenever they check into a hotel. The Prepaid Card held itself held XXXX pre-authorization fee whenever I checked into a hotel. They try to steal this fee if you are not paying attention and do not know when it returns. 
I want my XXXX back. This was not in the card contract. Misleading behaviors
Consumer complaint received 2021-01-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (ME)

XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX Complaint XXXX Dear XXXX XXXX, Thank you for your response to my CFPB complaint. 

Your argument is nonsensical. 

Therefore, I must insist that the Bank pay the advertised bonus of {$300.00}. 

Otherwise, I will seek treble damages in XXXX XXXX XXXX. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to investigate any items that resulted due to Identity Theft. Please find the required documents to assist in the investigation of the erroneous information which is being posted to my report.

According to FCRA Section 605B ( a ), Equifax shall investigate any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. 
Please investigate this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$450.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX  ( Original Creditor : XXXX XXXX BANK XXXX XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XX/XX/2022.
Consumer complaint received 2021-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

On XX/XX/2020, my mortgage bank Flagstar Bank, deducted {$4000.00} from my escrow account to pay for the property taxes for my house. When I was checking this later in XXXX at the County 's website, I noticed the property tax had not been paid by Flagstar. I called Flagstar about this and I was also told to call XXXX XXXX about this. XXXX XXXX is Flagstar 's vendor that transfer the payments to the County. Flagstar told me they deducted the money from my escrow account and sent it to XXXX XXXX and XXXX XXXX is responsible in paying the property tax. Since Flagstars has many escrow accounts for all their loans, they will send the money to XXXX XXXX in a huge bulk sum ( for this instance they mention the amount was over {$1.00} XXXX ). When I called XXXX XXXX, they tell me they never received the money from Flagstar for my property. I have been calling both Flagstar and XXXX XXXX since mid XXXX and both sides keep telling me that they are still researching it. This is very concerning as money has been deducted and it seems both parties do not know where the money went. 

I also would like to add a note, I forgot that I had this escrow service set up. So I actually paid the property tax on my own by accident. I have the receipt of the tax payment from the County that I did on my own. So I believe this could not have been a mix up by the County. I also called the County and they verified they received the payment that I sent myself on XX/XX/2020.
Consumer complaint received 2024-02-21
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: SYNCHRONY FINANCIAL (CA)

I'd like to dispute a hard inquiry on my credit that was done on XX/XX/year> by the following institution : Institution Information SYNCB/LOWES PLCC XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I have home mortgage with Citizen one loan number # XXXX  currently in Covid 19 forbearance under CARE Acts. Though I have been granted forbearance till XX/XX/XXXXof 2021 and next payment is due onXX/XX/2021.yet again citizen reported to experience credit agency that I mortgage balance is high now .My bank altered me that citizen one home loan have report this matter to credit agency on XX/XX/2021. I tried to talk to them citizen bank, has no answer for it, they said they didn't do it mean while credit agency said they only report when lender initiated a report. I am not sure if they can report this sort of information which will negativity impact credit history of many homeowners like me. I highly urge our government, please save us from this sort of unethical behavior of bank and putting homeowners like us in difficult situation. Millions of people are losing jobs, tanent are not paying rent, municipality is not giving us the break with taxes and on top of, this sort of negative reporting is no mean to be good for hard working homeowners. Thank and I look forward hear from the agency soon.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX # XXXX Account name : XXXX XXXX  XXXX XXXX Account name : XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2021-01-08
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: WELLS FARGO & COMPANY (MD)

On XXXX over {$300.00} worth of charges were on my account! I messaged someone changed my password then called several of times!
Consumer complaint received 2021-01-08
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: WELLS FARGO & COMPANY (MN)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX. XXXX, 2019, XXXX XXXX, XXXX XX/XX/2019, WELLS FARGOXXXX XXXX XXXX, XXXX XXXX. XXXX, 2019, XXXX XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-01-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK (CA)

I applied for a home equity loan with Discover Home Loans. Originally I applied concurrent with a refinance ( from another lender ) of my first mortgage. Discover had told me it was appropriate to apply concurrently, however, I was later informed that I would have to reapply after the refinance closed ( which was imminent when I was informed ). When I reapplied, Discover informed me that the value of my home had decreased from approximately {$1.00} XXXX ( per Discover appraisal in XX/XX/2020 ) to {$950000.00} ( Discover appraisal in XXXX ). I filed a dispute but no action was taken to properly resolve this issue.
Consumer complaint received 2017-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had an existing credit card with Capital One. We agreed to a repayment plan. The debt was charged off by capital one in 2015. Capital One continues to report this as a recent bad debt. The debt has been renegotiated and I have made payments on time every time.
Consumer complaint received 2021-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (NJ)

Good Afternoon, Since the initial mortgage payment, Caliber has repeatedly confirmed that they were applying my payment to another address. I emailed the loan officer XXXX XXXX, forwarded the emails received from Caliber stating they had received my payment but were applying my payment to a address that is not my own. Emails and repeated calls to customer service has yet to rectify this situation.
Consumer complaint received 2024-03-22
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. (CA)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (PA)

Jefferson Capital Systems placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. never receive written notification of this alleged debt at my address of XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

So, XXXX- Nationstar required an escrow to pay for my insurance for my mortgage. After 35 minutes on the phone, I was informed that Nationstar who collected my $ XXXX in escrow to pay my home mortgage insurance would not be making my home mortgage insurance payment and would not be refunding my money in order for me to be able to pay my home mortgage insurance in a timely manner, nor would they provide a letter to my home insurance company explaining the reason for the delay in my insurance payment, thereby preventing my home insurance from being cancelled. 



Further, a Miss XXXX, whom, by her own attestation is the only XXXX who works for Nationstar, as she REFUSED to provide her last name, or connect me to her supervisor XXXX, who also does not have a last name, and is in fact by her assertation the only XXXX that works for Nationstar. 



I would like assurance that my homeowners policy will not be cancelled as they people ( Nationstar ) failed in their one and only responsibility to PAY the property insurance they they required be escrowed or refund the escrow in a timely manner as not to have my homeowners insurance policy cancel.
Consumer complaint received 2021-01-08
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)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2020-09-26
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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (OH)

I notified the company that this account had been paid and closed and has been in my credit report too long past the seven year mark that it should have been removed.