davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
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. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

Hello, I'm complaining about my Costco Citi Card. They have closed my account citing missed payment reasons. I have never missed a payment for this card. As of XX/XX/2023 I have accumulated cash-back rewards in the amount of {$270.00}. They unfairly closed my account and did not pay me the reward amount.
Consumer complaint received 2021-01-05
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. (FL)

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2021-01-05
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. (LA)

On XX/XX/XXXX, I sent in a dispute letter to Experian. On XX/XX/2020. They sent me an automatic letter back saying my account has been updated .In the dispute letter I informed them that the account clearly hasn't been verified because I never had a 1 month agreement / term or lease with XXXX XXXX XXXX Especially if it was a charged off account and / or collections how can you have an agreement with a collector for 1 month? I then indicate that it is wrong and it hasn't be properly verified. They again sent me something back stating the information has been updated and I should see it now on my credit report. I clearly indicated with a screen shot of my report it is not correct. They did not UPDATE my credit file they only updated the " Status Update " Date.

Please see all attached. 

According to the FCRA if this information is reported inaccurately I have the right to dispute and it should be removed from my file and that is not what is being done here. I dispute and they indicate it is updated. This is causing me not to obtain credit and it is frustrating I have to continue to explain my self after doing so. 

I've attached : DL SSN Card Payroll statement Letters sent directly to the bureau
Consumer complaint received 2023-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (AZ)

On XX/XX/XXXX I made a payment to flag-star Bank in the amount of XXXX through XXXX online bill pay. After flagstar received my payment on XX/XX/XXXX and posted it to my account they reversed the payment on XX/XX/XXXX. However they have not returned my money to me or XXXX. After several investigations with Flagstar bank and sending them proof of funds and several other documents. They refuse to return my money stating they dont have it. However they can not provide me or my bank with a federal trace number showing the funds returned. They keep referring me back to XXXX. XXXX has sent them proof of payment with federal trace numbers yet they still refuse to refund or credit my account for money received.
Consumer complaint received 2023-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above referenced accounts 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.

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 2021-01-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I applied for two loans with PennyMac in the second week of XX/XX/2020 One was a refinance of my primary home for {$510000.00} and the second was a cash out loan for {$370000.00} on my investment property. I specifically requested a simultaneous closing of both loans at the same time and the agent agreed to that. On XX/XX/XXXX I received two e-mail confirmation of the application, rate lock and other details including the estimated cost. Finally they closed the cash out loan on XX/XX/2020 and they charged me more than {$10000.00} as their fees. At the same time they assured me the second loan will be closed in less than 10 days. However nothing happened since then except they kept on asking for the same documents over and over again. Also they checked my credit again last week claiming the initial one already expired. 

Before agreeing to close the first loan, I specifically told them I don't want to close it unless the second loan also closed. But it seems like their goal was to collect the fees on my first loan and somehow manage not to close the second loan. 

They asked me to show a XX/XX/XXXX balance on a particular credit card. I did. Then they again asked me last month and I did and now they are asking me again this month to do the same. I paid all my credit cards in full every month before the due date and I always have recurring charges. They asked me today not to use that card until the loan is closed. I told them I can not because I have recurring charges which I don't want to cancel. 
Now they are threatening me with 48 hour deadline to provide them with the XXXX balance statement or they said they will reject the loan application and close the file. 
It is very clear that it is intentional on their part because why would they close on one loan and not the other one. 
I believe I lost opportunity for better terms including rates due to their inaction. If I knew they were not going to approve the loan, I wouldn't have took the first loan because I was getting better offers elsewhere. 
Please look into this.
Consumer complaint received 2021-01-05
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: Experian Information Solutions Inc. (CA)

On XX/XX/2020 I noticed two debits for {$0.00} and {$0.00} from our joint checking account by XXXX that I did not recognize. I then received a letter on XX/XX/2020 that was dated XX/XX/2020 from XXXXXX/XX/XXXX and XXXX XXXX stating they received an application for a new account on XX/XX/2020. They stated they could not open the account as they could not verify my identity. I can provide the reference # in the letter from XXXXXX/XX/XXXX and XXXX to identify the correspondence. I called XXXXXX/XX/XXXXon XX/XX/2020 and they confirmed someone used my identity to apply for an account with XXXX. They provided a phone number of XXXX for XXXX and instructed me to call them. I called XXXX and after 15 minutes of being on hold they answered the call. I spoke with an employee named XXXX with ID # XXXX. They told me they had to transfer me to the correct department. They transferred me and no one answered after I stayed on hold for three hours.
Consumer complaint received 2023-06-01
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: American Credit Acceptance, LLC (CA)

In XXXX, I filed a complaint with the CFPB about the lender for my car loan not reporting my information correctly. I had also filed numerous disputes with each Credit Bureau and filed a complain with the CFPB about the incorrect reporting on my credit report, and the problem has not been fixed. I think the problem lies with American Credit Acceptance ( my auto loan lender ), as they are continuing to report incorrect information. I have tried several times on more than one occasion to work with my lender to ask them to update my credit report, and they have either not responded to me at all nor have they reported my information correctly after numerous disputes with the credit agencies and working directly with them. I have proof that the lender is reporting incorrectly, which I have provided to the credit agencies as well. If this does not change, I will be taking legal action because what they are doing is causing undue financial hardship and causing me to lose future opportunities. What they are doing is illegal.
Consumer complaint received 2023-03-20
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. (CT)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-05
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. (CA)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2021-01-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (TN)

The company attempted to take unauthorized funds from my account based on what they said was online approval, which I can confirm I did not approve. I am currently in a chapter XXXX and did not realize I could not take out a payday loan so I attempted to work out a plan to pay the original amount, which they agreed upon of {$700.00} instead of amend the plan where they would be considered a non priority unsecured debt and receive nothing. They attempted ( after agreeing to the original amount ) to add a ridiculous amount of interest and say the amount is over {$950.00} and still accruing. They are a tribal loan and are not a registered lender in the state of WI. 

This is their agreement " The laws of the Tribe and applicable federal law will govern this Agreement, without regard to the laws of any state or other jurisdiction, including the Conflict of Laws clause ( s ) of any state. You agree to be bound by Tribal law, and in the event of a bona fide dispute between you and us, Tribal law and applicable federal law shall exclusively apply to such dispute ''. They are charging 557.91 % interest on a {$700.00} loan which would be over {$2400.00}.
Consumer complaint received 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (KS)

Earlier in XXXX I called the number on the back of my credit card to close my account ( that had been inactive for XXXX months ). Earlier this week I received a new credit card from US Bank that I did not request, which I assume is fraudulent activity.
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: EQUIFAX, INC. (NJ)

I sent a letter to XXXX, XXXX, and Equifax 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 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNRISE CREDIT SERVICES, INC (NC)

XXXX XXXX XXXX XXXX- Account Current Balance : $ XXXX 's Date Opened : XX/XX/XXXX XX/XX/XXXX Account Current Balance : -- -- XXXX  Account 's Date Opened : -- -- XX/XX/XXXX SUNRISE CREDIT SERVICES- Account Current Balance : XXXX XXXX XXXX XXXXXXXXAccount 's Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXAccount Current Balance : {$130.00} {$130.00} $ XXXX Account 's Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I HAVE SENT FTC REPORTS/POLICE REPORT AND HAVE WROTE LETTERS AND SENT THEM VIA MAIL for investigation! Also I have placed a freeze on my credit report until the investigation is over.
Consumer complaint received 2021-01-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GVA Holdings, LLC (AL)

We understand we owe money to this company. But we have continually asked them not to call us and even sent a cease & desist letter which I have a copy of asking them not to continually call us ( I have copy of this also ) We would like all correspondence to be in writing from now on. They still are calling in which I have dates and times and voicemails saved. We would like the harrassment to stop and send us what we need in the mail please.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NM)

I have been disputing fraud on this credit card account with JP Morgan Chase Bank. They have repeatedly ignored my requests and will not answer my questions. They have been silent on the issue. They have now charged off the balance and it is now negatively affecting my credit scores on all agencies.
Consumer complaint received 2021-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (GA)

Complaint I refinanced a rental house with Ameris Bank in XXXX of XXXX. My house was insured with XXXX. The last payment XXXX received was XX/XX/XXXX from me. XXXX XXXX sent all my information to Ameris Bank in XXXX when I refinanced the house. When XXXX got no response from Ameris, they started sending me bills. 
I contacted Ameris Bank : XXXX XXXX XXXX XXXX, Branch Manager, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX ( D ) XXXX | ( C ) XXXX On : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Ameris Bank Investor Sales Coordinator II XXXX XXXX XXXX XXXX XXXX, GA XXXX ( D ) XXXX | ( O ) XXXX XXXX On : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Ameris Bank Customer Service XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX On : XX/XX/XXXX Ameris Bank Mortgage Services Insurance Department XXXX XXXX XXXX Texas XXXX XXXX On : ( Phone records dont go back far enough ) XX/XX/XXXX thru XX/XX/XXXX talked once XX/XX/XXXX I spoke twice with a lady that talked rapidly with a very thick XXXX accent. Each time I asked for the insurance department, I was transferred to her. 

I also contacted my local insurance agent to make sure my bills were escrowed. XXXX never received payment from Amerisand now my insurance is canceled. Travelers wont reinstate my insurance because the bank ignored them. I was told by Ameris in Texas the past due amount was paid and they gave me the check number. I wish I had not used Ameris Bank to refinance my house.

Ameris told me that the past due premium was paid to XXXX. On XX/XX/XXXX, I emailed Ameris and said I expected the bank to pay any late fees and to call me and my insurance company. XXXX XXXX emailed me and said it was overnighted. No calls were made and on XX/XX/XXXX, I received an email from XXXX XXXX in XXXX with the check number saying it paid the past due insurance premium. The lady in Texas told me when I talked to her mid- XXXX, since the check was mailed right before XXXX, it was slow reaching XXXX. When I checked my statement, it was labeled a disbursement and taken out of my escrow account. 
I have a record of emails dating back to XXXX. 
My local XXXX agent is drawing up another quote with another company. The new insurance company has been promptly paid a year in advance, however the premium is {$51.00} higher than XXXX. It is not my fault my insurance was canceled and I shouldnt have to pay the difference out of my escrow account. My local bank representative in XXXX, XXXX XXXX, has been forwarding all my emails to XXXX. He appears to be clueless as to the mishandling of my money. 
This nightmare is not my fault.
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TX)

Unfortunatly while working out at a local gym I was robbed of all my items. My bookbag had literally all of my important items in it. My wallet, my car keys, my phone, and some of my clothes. Upon discovery I did file a complaint with the gym and a police report at a later time. Unfortunately as I stated, my keys and phone had been stolen. I had no money and no way to contact anyone. I contacted the bank as soon as I purchased a new phone about 2 days later. Basically the bank is holding me accountable for fraudulant activity on my account. I had NOTHING to do with this. Based off what the bank told me this was all done in XXXX Tx. I have proof on these dates of fraud I was in XXXX XXXX! I had my property stolen, my bank accounts hacked and I am held responsible. This is such a inconvience and not fair! A proper investigation must be completed!!!!
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX