davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
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. (MS)

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 Account # XXXX Account name : XXXX, XXXX Account # : XXXX has 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.
Consumer complaint received 2020-04-10
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. (OH)

To Whom It May Concern, The reason for my dispute is XXXX XXXX  {$XXXX} was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2020-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

For the last two years my escrow has not been right and every time I call Sun Trust they say they are going to review and get back with me. Last month in XXXX I had to pay {$1000.00} more because they said escrow as low. In XXXX my monthly payment was suppose to go back to normal and that did not happened. I just called Sun Trust to find out they merged with BB & T bank but we were not notified. However ; this should not affect them giving me the information that I have been waiting so long for. In XXXX I paid close to {$9000.00} in insurance for my house but this year my insurance went down {$2300.00} and my mortgage payment still went up. The keep giving me the run around and I need someone that can clearly explain to me why this is happening. I need a copy of my escrow audit for a least the last 5 years so I can understand why my mortgage that has a fixed interest keep going up and down even when taxes and insurance go down. I have been a customer since XXXX and not once I have been late. My partner the other owner is a retired military and we can not afford all this that is happening with our payments specially now with the coronavirus and losing hours of work. I ask your help please. Thank you!
Consumer complaint received 2022-12-29
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. (AR)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} - Please validate this account 's status and payment history for me. I think the information being reported by this account is false. I always make my payments on time, so I never had a late payment on this account. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy.
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MD)

Experian is reporting two accounts as a collection on my report when these accounts have been paid off. 100 %. I reached out to both companies in which told me they have updated my information with Experian. 
The following companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both accounts been paid and I would like it to stop reporting as a collection in which it is hurting my score drastically and holding me from obtaining future credit.
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — Store credit 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 (FL)

XX/XX/2020 Capitalone, store XXXX # XXXX {$67.00} I told to the Capitalone for fraud and they tell me that them found insufficient evidence of fraude..
Consumer complaint received 2020-04-10
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. (UT)

Equifax is denying me the ability to log in to my account in order to control things like freezes and other settings. 

They verified my information with lots of questions about SSN, birthdate, loans, etc. They then told me that I was unable to login to my account because they couldn't verify some information I had entered during the account set up process. I asked what the issue was and they refused to tell me. I offered to provide the information or verify anything they needed, and they refused to do so. They said that they would never, NEVER, let me log in to my account online. 

They said that I would have to make any account changes by phone ( hours long waits ) or fax ( don't have a fax machine ) until the end of time, they would never stop refusing to fix the issue. 

I was told I would never, ever be allowed to use my online equifax account. I was refused any explanation or to speak to someone who could help. They are holding my credit account hostage by not allowing me to control it. 

The individual I spoke with was : XXXX ID : XXXX of the Fraud Dispute and Online Department
Consumer complaint received 2019-12-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (IA)

The problem is I want to pay my homeowners insurance directly. Ditech says that FHA requires that my homeowners insurance be paid by Ditech through escrow. I called FHA and was told that Homeowners insurance is not required to be in escrow. Ditech says that Hazard insurance and Homeowners insurance are the same thing. It saves me over {$50.00} a month on my homeowners if it is paid monthly and automatically deducted from my bank account. Which should make my house payment less. Instead Ditech raised my house payment over {$120.00} a month. This makes no sense. Please help me. They are saying FHA requires it. Please help me lower my house payment. I am XXXX and XXXX, so my income is fixed. Raising my house payment is not something I can pay. I don't want to get behind on my house payment.
Consumer complaint received 2023-01-20
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. (KS)

My credit reports generated by XXXX, Experian and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXXXXXX XXXX  XXXX Ac. No : XXXX clearly suggest conflicting information of 1. Last activity, 2. Balance, 3. Date opened and 4. Last payment date which is inaccurate. Therefore, this item must be deleted as per section 168 FCRA. Discrepancies among credit bureaus are listed below. 
Name XXXX Experian XXXX Last activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance $ XXXX $ XXXX $ XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - - Credit reports of the three bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: AXOS FINANCIAL, INC. (TX)

Axos misrepresented their promotion for a {$20.00} bonus for me and the referring person. I never received my promotional credit due to unclear terms of the offer and when I attempted to remedy the problem the representative was very unhelpful. I am extremely dissatisfied with them as a bank and will be ending my banking relationship
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. (AL)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2020-04-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

During a worldwide pandemic portfolio recovery associates file a civil lawsuit against me and have called my cell phone repeatedly using different calling numbers. They have called my wife 's cell phone without any consent to contact my wife, she's not on any old my old debt. This considered harassment! How could any court allow these people to file a lawsuit during this time of extreme worry and fear.
Consumer complaint received 2020-04-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

The company name was XXXX. They first contacted a reference I listed on my application on XX/XX/20 and she was told by the guy that contacted her that he was forseeing office for XXXX County and proceeded to give her a case number for me to contact them. I contacted them and was told that if I didn't pay them, they would proceed to take action and send my information to the county to take me to court. I recently just found out I'm pregnant so I was scared, offered my card number and attempted to make a payment for {$210.00} but card was declined. I told him I would call back when my direct deposit hit and the guy XXXX XXXX told me if I didn't call back that would be a breach of contract and they would go forward with submitting my information to the county. I didn't call back that day because I wanted to investigate especially since I just don't have the funds at the moment and they drafted my account anyway. The next day on XX/XX/20, I contacted them and asked them to remove my card information and the lady XXXX told me that means they would forward my case to county. They then proceeded to contact my mother in Mississippi that's not on any of my paperwork and also takes care of my XXXX father and attempted to collect the debt from her and let her know the amount of the debt. I contacted them again and asked them not to harass my mother, she then told me her number was removed but my mother received another phone call again this time telling her the company it was for Ace Cash Express. To my knowledge it is against the law for them to harass family members and to let them know the amount of the debt.
Consumer complaint received 2020-04-10
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: Experian Information Solutions Inc. (IL)

I am reaching out because I am actively working on my credit. I ordered a copy of all 3 credit reports and read over everything carefully, then on XX/XX/2020 I sent in letters to all 3 bureaus, listing each individual account and account number, and asked them to please verify all of the accounts that are on my reports and if they can not verify them may they please remove them from my report. It has been 30 days and they have not informed me of any proof or verification of the accounts. I then on XX/XX/2020 sent all 3 bureaus a certified 30 day demand to comply letter asking them to please remove the accounts from my credit report since they were not able to verify them. I have not heard anything from Experian, XXXX, or XXXX, so this is why I am reaching out to you to file a complaint to see if you can get the problem fixed as soon as possible, Thank you.
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

I closed my business checking account with Citibank on XX/XX/21 via the phone. Citibank claims to have mailed me a check. It never came. I called Citibank to alert them. They said they would issue a replacement check. The replacement check never came. Two lost checks in the mail seems suspicious. 

After numerous phone calls, and one month later, I arranged to pick up the funds at the local branch. It was explained to me that in order for me to pick up the monies at the branch, they would have to cancel the second check ( apparently, they canceled the initial check in order to issue the second check ), in order to transfer money to the branch 's general ledger, so I could in fact pick up the monies. 

I repeatedly asked for documentation -- copies of the two canceled checks -- as of today, I have yet to receive. 

While I did finally receive my funds, two loose checks are floating around with my name on it. I would like proof -- documentation -- that those two checks were canceled. 

Citibank is a finial institution that is supposed to keep accurate records. I am not sure why they refuse to share with me proof that they mailed the two checks. Right now, they are claiming that the XXXX Postal Service lost the mail -- yet, they refuse to provide docmentiaon that the checks were ever issued. 

Please provide a copy of the canceled checks, and a copy of the actual checks.
Consumer complaint received 2024-01-05
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. (CA)

I've sent mail correspondence to XXXX XXXX via mail and I've called them many times & spoke to supervisor but they said it's the law for them to report to consumer reports. 

The law states in 15 USC 6802d ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have submitted multiple disputes in reference to the account from XXXX  XXXX XXXX XXXX. The credit bureaus have intentionally disregarded ever effort I have submitted to have this account removed from my consumer credit file. Hopefully YOU ' the CFPB are able to get the credit reporting agencies to remove this item from my consumer credit reports. This item can not be verified or validated because it does not belong to me.
Consumer complaint received 2020-04-10
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. (IN)

Good afternoon my girlfriend checked my credit for me and said I had these accounts on there that belong to someone else. They are using my identity without me knowing who it is and I want this to be handled by you. Please help me get this stuff removed from my credit at your earliest convenience.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

There's incorrect information on my credit report. Remove all old addresses and personal information. 

My legal name is XXXX XXXX XXXX. 

My date of birth is XX/XX/1989. 

My residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

My employer is XXXX XXXX XXXX
Consumer complaint received 2022-12-29
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 XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXXXXXX XXXX  ( 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 an alleged identity theft, not later than XXXX XXXX XXXX after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXXXXXX XXXX XXXX. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over XXXX XXXX. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXXXXXX Balance : {$410.00}
Consumer complaint received 2020-04-10
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. (IN)

Good afternoon my girlfriend checked my credit for me and said I had these accounts on there that belong to someone else. They are using my identity without me knowing who it is and I want this to be handled by you. Please help me get this stuff removed from my credit at your earliest convenience.
Consumer complaint received 2020-04-10
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)

XXXX XXXX XXXX XXXX is appearing on my credit report as delinquent when there is a pending Appeal of this case and no decision has been rendered in this matter, therefore this debt collection agency is falsely reporting a voluntary repossession on my account, while this case is being Appealed currently with the Fourth District Court of Appeals. 

Please see attached documents
Consumer complaint received 2020-04-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Please attach this clain with another current claim # XXXX. The CD did not get sent to unclaimed funds. It was purchased through Charter One Bank before Citizens Bank bought them out. Citizens Bank finally investigated to find that it was NOT sent to unclaimed funds. We received a call from XXXX XXXX ( Citizens Bank ) XXXX to return her call. She finally made contact with my daughter, XXXX XXXX and made the statement that she must have cashed it in. My daughter didn't even know I had this CD for her until now ... so NO it was not cashed in. XXXX XXXX has not returned any of my calls to discuss this. Furthermore, if it was cashed in, a 1099 form would have been issued for the interest on the account that was paid when cashing the CD in. We feel like someone is trying to STEAL our money! This CD was for {$7500.00} originally, and was taken out in 2001.
Consumer complaint received 2020-04-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc. (CA)

I called American Financing to settle my debt which is {$690.00} and some change, I asked them can we do settlement of at least {$300.00} which they said they would call me back. They didnt call me back or the next day. They emailed back saying they can do 56 % off of my debt which they said I would have to pay {$350.00} and some change, but when I calculated the 56 % for the debt I got {$270.00} and some change I believe. So I called them today and tried to tell them about the problem and he told me know thats what it is and so I asked to speak with a supervisor and he came back and told me he was on the other line and he told me that my supervisor will tell you the same thing. I dont really care to much about paying the {$350.00} but I just dont want people being ripped off like that when trying to settle a debt at a percentage. With my other debt they did the same and when I collected it, it was the right amount I would pay them with the percentage they gave me.