davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-20
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: Lockhart, Morris & Montgomery Inc. (NV)

After reviewing my credit report, I have identified inaccurate accounts and information that are not associated with me. I did not provide consent for any of this information to be included in my credit report, and it is significantly impacting my life. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-07-08
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. (TX)

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.

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 2023-07-24
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-18
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)

HERE IS MY REPORT OF IDENTITY THEFT AND FRAUD I would like everything that i have asked for be removed since i have provided the requested information, and they did not have my written permission to furnish my consumer report, and do not have the right to report this unlawful incorrect information. A written consent as of the " FCRA '' I never gave written consent to any of those accounts.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I applied for a quick silver secured credit card with Capital One. I made XXXX deposits totaling {$1000.00} dollars. My account was opened on XX/XX/2023 and closed on XX/XX/2023. I was initially told it was closed because returned payments on the new account. However, both payments were cleared and verified by my bank. After the verification of payments, I was told it was from XXXX previous accounts. I informed Capital One that those previous accounts were opened fraudulently, and I submitted the appropriate documentation previously. This was verified by the closed accounts department, and I was transferred to a fraud supervisor who told me that it was nothing he could do and it could take XXXX billing cycles to have my deposit returned. I told them this was unacceptable because I never used the account and it was closed at no fault of my own. He responded there was nothing he could do.
Consumer complaint received 2023-07-24
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-13
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: AES/PHEAA (FL)

FedLoan Servicing has failed to remove off the XXXX Credit report. XXXX has failed to properly investigate this dispute and failed to remove FedLoan Servicing from the credit report. XXXX an XXXX have both removed FedLoan Servicig off the credit report and FedLoan Servicing has also verified removal from XXXX and XXXX. XXXX is not investigating this dispute and both XXXX and FedLoan Servicing are still reporting to XXXX without any verifiable proof they should still be on the report. All accounts from FedLoan Servicing shall be removed off the account since XXXX out of XXXX bureaus have already properly and correctly done so.
Consumer complaint received 2024-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Dovenmuehle Mortgage, Inc. (IN)

I sold the home connected with this mortgage on XX/XX/XXXX. On XX/XX/XXXX, I contacted Dovenmuehle, which was my loan servicer, and asked when I could expect to receive my escrow refund check. Dovenmuehle responded the next day and said it normally takes 15 buiness days to mail the check. I responded the same day, XX/XX/XXXX, and asked that they mail the check to my new address, as I obviously no longer live at the address assocaited with the home I sold. Dovenmuehle responded on XX/XX/XXXX ( XXXX days after my message ) and said the check for {$2200.00} was sent to my old address on XX/XX/XXXX ( XXXX days after I asked that they mail it to my new address ). The message said I needed to wait 30 days after the check was allegedly mailed to request a new one. On XX/XX/XXXX, I emailed Dovenmuele customer service and asked that they please reissue the check to me. I did not receive any response. I followed up today, 5 days later, after still not hearing from them, and have still not received a response.
Consumer complaint received 2017-08-07
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. (GA)

This is an error : XXXX XXXX Opened XXXX XXXX, 2017 It has already been removed from the other 2. I promise it does not belong to me.
Consumer complaint received 2024-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX, XXXX XXXX - XXXX
Consumer complaint received 2024-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NH)

My mortgage servicer failed to pay my homeowner 's insurance and the policy lapsed. They took no action to remedy the issue and only claim that they did nothing wrong. My insurance lapsed for four days while they took no action. The company, NEWREZ, caused my insurance to lapse with no action as they did not pay the premium out of escrow as agreed.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NV)

In accordance with the fair credit Reporting act DISCOVER BANK ( Account # XXXX ), has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph 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 ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2023-07-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Williams & Fudge, Inc (NY)

Back in 2020 I was finishing my last semester but covid hit and my internet access was inturpted. Due to XXXX and the management of my building if you were not a tenet or had to interact with others in person they refused to fix my internet connection resulting in me not being able to submit my final assignments. I've contacted XXXX XXXX XXXX about this issue during this time in letting them know I couldn't submit my final papers and assignments using my hot spot from my phone. After awhile XXXX XXXX stopped responding resulting in defaulting my student loan. I have multiple emails as proof. Now I'm being sent to collections even though I've been back and forth with XXXX for the past three years. This situation was out of my control during this time everything was shut down in XXXX XXXX XXXX I'm asking for assistance before I process legel documents in civil court suing XXXX XXXXXXXX XXXX
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

On XX/XX/XXXX I called Fifth Third Bank at XXXX. I attempted to close my bank accounts. I had XXXX accounts, a personal, a business and a savings. The agent told me I had to empty the accounts to zero before they could close them. They also told me I had to go to the Bank XXXX XXXX XXXX to explain why I wanted to close because this number does not handle business accounts or complaints. 
On XXXX, I went to the bank and found there was construction. I parked a block away and as an XXXX XXXX XXXX handicapped person, I walked to the door to find a note stating the lobby was closed. 
On XX/XX/XXXX, a payment was completed by XXXX XXXX to XXXX XXXX. I never autorized the payment and the credit card number was charged from a 6 month old form I had filled out to XXXX. I was Never notified about this payment, I never got a text as I was supposed to and I never was given the opportunity to deny it. 
On XX/XX/XXXX, I discovered the charge on my own, as well as the fee of {$37.00} charged against me. I called Fifth Third and was told there was nothing they could do since I had an overdraft authorization on file. I immediatly told the agent to cancel that and they said they could NOT. 
On XX/XX/XXXX I saw the situation had Not been fixed and I deposited {$850.00} to cover negative balances. Again I called the banking center and was transferred to the business account center. I was told they had also had a withdrawal against my business account. I said there were sufficient funds to cover all of that and to close my accounts. I was told the accounts would NOT be closed until the check had cleared and all accounts had a XXXX balance.. It was then I discovered they had charged an additional {$49.00}, {$37.00}, and {$25.00} on this account as well as {$72.00} and {$8.00} and {$37.00}, and {$16.00} and {$7.00} and {$11.00} and {$11.00}, and {$11.00} and {$8.00} on XX/XX/XXXX and {$8.00} on XX/XX/XXXX. 
By calling XXXX more times between XX/XX/XXXX and XXXX, I was able to get XXXX of these charges reversed. 
My deposit of XX/XX/XXXX is being HELD since then, even though it cleared my external checking account on XX/XX/XXXX. They are still adding daily fees and refuse to answer me or fix the problem. 
This entire p [ roblem arrises from Fifth Third Banks problems as ; XXXX XXXX paid a charge as an overdraft without notifying me. 
XXXX XXXX refused to close, freeze, or act on the problems when I asked. 
XXXX The system is automated and every employee says they are not empowered to fix the problem I need clarification on why my check is being " Investigated '' so long, and clear instructions on how to close these accounts and a stop to XXXX written letters from Fifth Third threatening me with " Further Action including reporting me to the credit XXXX and taking action as appropriate to collect these debts. The latest letters were recieved on Monday, XX/XX/XXXX at XXXX, XXXX letters.
Consumer complaint received 2019-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (CO)

XX/XX/19 I was charged {$170.00} on a {$2000.00} balance from Barclays Aviator MasterCard. 

In XX/XX/XXXX I made {$8900.00} in payments and {$1000.00} was returned. ( I made a mistake putting funds in the wrong checking account and contacted MasterCard immediately to inform them ). I was penalized by MasterCard for {$25.00} dollars and thought that was the end of it. 

That penalty apparently wasn't enough, I was then charged interest ( {$170.00} ) on {$7600.00} instead of the {$2000.00} that was my real balance. 

On XX/XX/19 I spoke with XXXX from Barclays MasterCard and was informed that they as a policy ignore the balance on my credit card if a payment is returned and charge interest on a larger amount. She did not believe that the {$25.00} penalty was enough payment for my mistake.
Consumer complaint received 2024-02-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (MN)

On Wednesday, XX/XX/XXXX I was invited to a XXXX  call to learn more about an e-commerce course. I have the persons name who it was and he wanted me to give them the last four of my social to see the prices. I did not give them my bank account so I didn't think I would have to pay anything so I was impaired on what was going to happen. They then opened an Affirm account with a loan of {$1800.00}. I contacted Affirm and they said I would have to contact the merchant. So I contacted the merchant called XXXX and they said they don't do the loans and to contact Velocity which is the e-commerce course the zoom call was about. I contacted them and they never emailed me back. Today on XX/XX/XXXX Affirm sent me a email saying XXXX confirmed my loan. I am trying to do everything I can to remove this loan from my Affirm account and prevent anyone from opening a line of credit in my name. I have also filed a police report and taken every action that they wanted me to take. I have all receipts of emailed and police reports filed.
Consumer complaint received 2024-02-20
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: AmeriHome Mortgage Company, LLC (TX)

I am divorced and listed my house for sell as as assumable loan in XXXX. My buyers decided to do the assumption and we began this process in XXXX. I was told it would take approx 6 months to close the assumption however we are now entering almost month XXXX and its still open! I call several times for updates or any information and get no answers. Im told the assumptions dept doesnt have a phone number to call but does have email yet they dont respond to them. 

They offer callbacks from that dept and I never get a call. The title company has even tried to reach out and can not get any information. They send mail that never comes and just keep requesting it be remailed. They can never tell me what the documents are! This is beyond frustrating!
Consumer complaint received 2021-07-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (FL)

Both my XXXX  and XXXX  report has the debt from Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX on my report. As the XXXX XXXX, I was not given the opportunity to verify or validate the alleged debt. I have called them and written letters to speak to some and was either hung up on or my communication via letter was has yet to be responded to.
Consumer complaint received 2023-09-01
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. (NJ)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-21
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: OneMain Finance Corporation (NY)

Subject : Formal Request for Investigation and Removal of Incorrect Credit Reporting Information Dear Consumer Financial Protection Bureau, I hope this letter finds you well. My name is XXXX, and I am reaching out to bring to your attention a matter concerning the inaccurate reporting of late payments on my credit report, despite a prior agreement for their removal by the credit card company. 

The specific issue pertains to the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) - Section 623 ( a ) ( 2 ) : I have observed that the credit card company has failed to honor its commitment to remove a 30-day late payment and a 60-day late payment from my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 2 ), inaccurate or unverifiable information must be corrected or removed promptly. The credit card company 's non-compliance with the agreed-upon removal is a clear violation of this provision.

Fair Credit Reporting Act ( FCRA ) - Section 611 ( a ) ( 1 ) ( A ) : I have previously reached an agreement with the credit card company to have these late payments removed from my credit report, exercising my right under FCRA Section 611 ( a ) ( 1 ) ( A ) to dispute and correct inaccurate information. Despite the agreement, the late payments persist on my credit report, adversely impacting my creditworthiness. 

I kindly request the Consumer Financial Protection Bureau 's intervention to thoroughly investigate this matter and ensure the prompt removal of the inaccurate late payments from my credit report. Enclosed with this letter, you will find documentation supporting the agreement for removal and any relevant correspondence with the credit card company. 

Your swift attention to this matter is crucial in rectifying the inaccurate credit reporting and alleviating the negative impact on my credit history. 

Thank you for your assistance and dedication to upholding fair credit reporting practices. 

Sincerely, XXXX XXXX