davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (OK)

I took out my mortgage in XX/XX/XXXXXXXX XXXX 
in XXXX  Chase started charging me administrative fees, and taking payments to pay for those fees. 
Chase claims that they were sending people out to inspect my house to ensure someone was living there. Each time I received a charge for those services. 
Chase claims that they verified that I was living in the house, which is in fact not true as the house was under remodel and has yet to have anyone move into it as of this date. 

I have reviewed my contract and there is no section about Chase sending people to inspect my house, nor was there any disclosure in the contract about any such fees. 

I am requesting that Chase provide me copies of the invoices from the service provider, and that Chase void those fees effective XXXX XXXX XXXX
Consumer complaint received 2022-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

My husband deposits his paycheck into our shared USAA checking account, every Friday, via mobile deposit ( using his cell phone ). He has been doing so for many, many years. 
A few months ago, USAA has started holding part of his check for a whole week. The amount that is held varies and is usually between {$400.00} - {$600.00}, per week. The funds become available about 7 days after deposit. 
By USAA holding his hard earned money, every week, it is making it extremely challenging to pay our bills on time. 
I've contacted USAA about this issue, several times, but have yet to receive an understandable, satisfactory answer as to why this is happening, every week! 
His employer does not offer direct deposit and there aren't any ATM 's in the state of California, for this bank. Therefore, mobile deposit is our only option for his paychecks! We don't have issues with a overdrawing our account nor have we ever deposited a bad check!
Consumer complaint received 2023-07-18
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. (NY)

My name is XXXX 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 2023-07-18
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: EQUIFAX, INC. (GA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-18
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. (NY)

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 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I leased a vehicle from XXXX in XX/XX/XXXX, jointly with my daughter. In XX/XX/XXXX we turned the vehicle in early directly to a dealer, and received the Turned In Completed paperwork on XXXX. We knew there would be an amount owed and the dealership said that we would receive a letter stating the balance owed. We didn't receive this letter until XXXX and paid the balance due immediately. In early XX/XX/XXXX I saw that my Experian credit score dropped from XXXX to XXXX and found it is because the XXXX tradeline does show paid per obligation but ALSO shows late payments in XX/XX/XXXX and XX/XX/XXXX, totaling a 90-day late line item. XXXX also reports the same. I called XXXX and they state that they did not report late payments to the credit bureaus and there is nothing they can do for me. I disputed online with both XXXX and Experian. XXXX closed the dispute the same day I opened it and didn't even look into it. My daughter 's ( joint borrower ) credit report tradeline for the same leased vehicle has been reported accurately with no negative/late payments and is closed correctly, paid as agreed. I have attached the snapshot of her credit report showing it reported properly. How can mine be 90 days late and hers paid as agreed on a joint account?
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist Bank issued a XXXX XXXX to me, that I never requested or received. Fraud charge of {$20.00} was placed on this new card. I was at the bank when we discovered it, reported it to credit card department # XXXX & reported that it wasnt me, I NEVER HAD THE CARD. Closed the account right then and there on XXXX XXXX. Since then with multiple calls from my bank & me to this agency. NOTHING HAS BEEN DONE!!!! Except added late charges to this closed/frozen account ( now charges are $ XXXX ) ALONG WITH MY CREDIT SCORE GOING DOWN FROM XXXX to XXXX as of XX/XX/2023!!!! I keep getting the run around on this fraudulent charge and Now its missing with my credit rating.. Can you please assist me, Im getting no where but, do have a Claim # with the credit card company. They said it should take 2 bill statements to clear up but, you can see its been almost 3 months & ruining my life & credit!!!! The credit card company is now calling me for late payments!!!
Consumer complaint received 2024-04-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC (MO)

I sold an estate home on XX/XX/XXXX, 2024. XXXX XXXX Mortgage sold the mortgage as of XX/XX/XXXX2024. With that they transferred the Escrow money and an overpayment. I received a letter dated XX/XX/XXXX2024 at my home address. I called and confirmed that this was the payout amount. I was told by the title company that this had to be paid out 30 days following the closing that was confirmed by a XXXX. I found a deed release letter by accident that was addressed to her divorced  husband at the old address. The mail was still being delivered at the address that was sold that is how I found this letter. When I noticed the wrong deed was released I called in early XXXX with no help stating that I was not on the account I asked why they couldn't or didn't get the personal representative documents with the loan and they said I needed to be recertified. I called on XX/XX/XXXX and was told to email in a copy of my ID and my personal representative letter so they can talk to me. What triggered this call was the escrow check was sitting at a vacant property and made out to her and her divorced husband. I received no feedback after I was told I would receive a response in 3 days. I sent XXXX follow up emails with no response. I called again on XX/XX/XXXX and actually had a helpful rep and she gave me a list of additional documents to submit. With it being a Friday before a holiday I just submitted them on XXXX. On XXXX I received an email that they wanted my mom to write a letter giving me permission to access the account with a reason and a signature. If I had questions they told me to reach out to customer service. I called customer service and tried to explain that a dead person can not complete this request. She proceeded to tell me that there was another owner and I tried to explain to her there was not but she would not accept a signed letter of testamentary from the court appointing me as her personal representative. She told me that was not a valid document. I can not get them to verify me as her personal representative nor can I get them to fix the deed issue because I can't get past step XXXX. Also I need them to correct the check and write it to her estate to be distributed correctly like the rest of the proceeds of the home.
Consumer complaint received 2022-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (MS)

I'm a veteran who received a XXXX XXXX payment on XX/XX/2022. I opened a checking account with the XXXX XXXX " Bank '' on the XXXX of XX/XX/2022. I contacted Direct express in an attempt to transfer my funds into my XXXX XXXX " Bank '' account. After giving Direct express my checking account number as well as the routing number to the XXXX XXXX " Bank ''. I waited ( 6 ) days, and checked my account to find that the transfer did not go through. I called Direct Express customer service to find out what was the problem. I was told that i would have to go to their web site, and open a web account in order to transfer that amount of money. I opened an account with Direct Express and attempted to transfer my funds over to my checking account at XXXX XXXX " Bank '' and was given a confirmation number that the transfer was a success. I waited ( 4 ) more days and checked my account again at the XXXX XXXX " Bank '' and the funds were not there. I accessed my on line account with Direct Express to find that the funds were returned to my Direct Express card. I set up that account with a user Id and created a pass word, but Direct Express went into my account without my consent. Direct express has frozen my Direct express card on the XXXX of XX/XX/2022, and I haven't been able to withdraw any of my funds. I closed on a home on the XXXX of XX/XX/2022 and haven't been able to pay the sellers on the home. I also haven't been able to pay my rent for the month of XXXX. I really need this to be resolved as quickly as possible. I tried to contact Direct express the XXXX of XXXX. Whenever I call the customer service number, and follow the prompt and enter my card number, I am continually be put on hold without anyone to return to talk to me the remainder of the day. I've called Direct Express Several times a day for several days and once I put in my information I would be put on hold the remainder of the day without talking to a customer service employee nor supervisor. I've called The Office of the Inspector General, who gave me a White House hot line telephone number and I was given a case number as well. I was sent a letter dated, XX/XX/2022 from Direct Express Advocacy Group which included their phone number. I've attempted to contact them several times only to get a voice mail. I have left numerous messages and a phone number to return my call, as the message states and haven't received a return call from them as of yet. I t 's has been several weeks without any access to my account.
Consumer complaint received 2022-04-16
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. (TX)

XXXX, XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX To Whom it May Concern : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : JEFFERSON CAPITAL SYSTEMS Account number : XXXX
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and XXXX
Consumer complaint received 2022-12-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: DISCOVER BANK (CA)

I received a notification from Discover that I had possible eligibility in a Discover XXXX XXXX 2 % rebate program. I called in to ask and was told I was eligible for the smaller of two loans ( or about a {$40.00} rebate ). Unrelated to this inquiry, I was told that the reason I was not eligible for the larger loan is because I chose a fixed rate and not a variable rate. This sure feels a lot like steering. 

At any rate, I was told I was win fact eligible but I then needed to provide proof of XXXX. I did that after much searching through old photos as I was overseas. I was then told today via secure message that now I'm ineligible. But no reason was given. I called in and asked why. Then I was told that I XXXX too long ago. Then I was told that my claim was too long from the date of XXXX Then after being put on hold a long time, I was told that now my loan was disbursed too soon to when I actually XXXX  Frankly, I should be paid 2 % back on both loans since I took out loans, paid them back, and XXXX
Consumer complaint received 2022-11-08
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: EQUIFAX, INC. (NV)

All inquires submitted below are a result of identity theft. I recently discovered through my new monitoring service them being reported I made efforts to remove these accounts from my file as they do not belong to me. All inquiry accounts were a result of fraud an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CT)

After I refinanced my mortgage, I got notification that my loan would be serviced by SLS. On XX/XX/, I received a letter in the mail saying that my loan was transferred to XXXX XXXX  XXXX and that any payment due on or after XX/XX/XXXX  should be directed to XXXX XXXX XXXX. This letter was generated XX/XX/XXXX, 1 day before the effective transfer date, and didn't get to me until 2 weeks after transfer date. By that time, I have already submitted my payment to SLS online on XX/XX/XXXX which already drafted from my bank account. 

According to SLS eStatement, the amount I have due for XX/XX/XXXX  ( when mortgage was not yet transferred to XXXX ) is {$0.00}. There was no option for me to pay anything online bc nothing was due on XX/XX/XXXX. 

On SLS eStatement for XXXX, the amount due was {$5500.00}. This payment was submitted via XXXX website on XX/XX/. 

When I called XXXX on XX/XX/XXXX, the representative on the phone said she did not have any record of payment. After I sent the proof of draft from my bank, she just said we dont have it. She said everything was transferred over to XXXX. 

I called XXXX who said they did not receive any payment from SLS. 

According to XXXX  statement, I now owe them 3 months worth of mortgage by XX/XX/XXXX - {$5500.00} for outstanding XXXX payment ( even though SLS statement said I owe {$0.00} and the loan was not transferred to XXXX yet at that time. XXXX said that this amount came from the fact that SLS forwarded the loan over as XXXX being overdue ) - {$5500.00} for outstanding XXXX payment ( even though I already paid SLS ) - {$5500.00} for upcoming XXXX payment This is obviously not a non-trivial amount. 

I contacted SLS via email and received no response. 

I contacted SLS via phone, waited on hold for 30 minutes, then got to an agent, who then disconnected my call. 
I called back on the same day, got through to an agent who was unable to help. I asked to be transferred to a supervisor, the agent said she would do so, only to then again disconnect my call. 

SLS has made no attempt to take responsibility for the inaccurate eStatement generated or to help the consumer reconcile the discrepancies.