davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-23
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: The CMI Group, Inc. (TX)

XXXX XXXX XXXX falsely reported a debt owed to Credit Management XXXX of XXXX TX ( XXXX XXXX ). I was contacted by Credit Mgt and responded with documentation that I did not have unpaid debt or service for the dates indicated. Credit Mgt 's response was " We have verified your debt with the client '' and then an additional fee for a router that I never had was added to the original demand for payment. Credit management then reported me to all three credit reporting agencies as a delinquent debtor based on their false information and failure to diligently investigate the information I provided Credit Mgt with. Further, and this relates to the original creditor, XXXX XXXX services, when I telephoned their 'customer resolutions ' phone number -- which was the only way they allowed a cancellation of service -- I was advised that my credit would be 'ruined ' if I tried to cancel service. I know this seems incredible, but when I used the XXXXXXXX XXXX, I found other instances of XXXX  using this same tactic with Credit Management XXXX to retain subscribers. XXXX proudly advertises " No Contracts. '' For me, that meant my service went from a starting rate of {$49.00} to {$99.00} within a short period of time.
Consumer complaint received 2023-12-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (WI)

On approximately XX/XX/2023 at XXXX XXXX an order for XXXX boxes of checks from XXXX of my accounts appeared on my online banking app. I did not order the checks so I immediately called the bank. They agreed to put a freeze on my account and said I should come to the bank in the morning and they would protect me by closing the old accounts and giving me new ones. 
The next morning they showed me the fraud alert and then showed me a check with the first name XXXX or XXXX made out to the check holder. The banker was very amused by the name and informed me that that cashed the the check for {$980.00} and gave him the money from my account. He then presented more checks through the night which they continued cashing until he presented a check for {$4500.00} which they refused to cash because I was too severely overdrawn. I was stunned. The bank Chase, then opened new accounts with a small amount of money in them. I was asked to sign nothing, told nothing given no paperwork not even the numbers of my new accounts. I am severely XXXX and my nurse insisted that XXXX hours was to long for me to continue to sit there and they should call me at home. When I got home I found I could no longer access my online account. I called them the next day and they insisted I come to the bank, my physician refused XXXX let me go because I was in a XXXX XXXX and have XXXX XXXX scheduled this week. They put me on hold and transferred me back and force for XXXX hours reiterating that they would not give me my account number unless I went to the bank.Finally XX/XX/XXXX the police intervened and I was given my new account numbers but I still can not access any transactions prior to XX/XX/XXXX and none of my money has been returned to me.
Consumer complaint received 2022-10-27
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. Please report the payment status positive and update the late from reporting on these accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX
Consumer complaint received 2022-03-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

For the last 2 years I was on automatic payments with carrington mortgage after I bought out of foreclosure. I took myself off in XXXX for XXXX payment. At the end of XXXX I made my XXXX and XXXX payment. I then went on in XXXX to restart my auto payment and saw that it said my XXXX payment was due. I checked my history and it said I had around {$2000.00} in fees that I knew nothing about. I called and asked what they were for and no one could tell me. They said they would waive the fees but it would be 10 days. As this would not cause me a late fee I had them do it. On XX/XX/XXXX after everything was updated I made a partial payment for XXXX. I then logged at the end of the month and made what there website was the remaining balance for the month. In the beginning of XXXX I logged in to setup my automatic payments again starting in XXXX and it said my XXXX payment was due. I called again and was the {$800.00} was used towards fees which still no one could identify. After 30 minutes of going back and forth they said it would be 10 days to fix again but then I would owe around {$200.00} for rest of the payment. I made the payment and started my auto payments again. It is now the end of XXXX and it says my full XXXX payment is due and I owe a late fee. When I look at my payment history it shows money going in suspense account and then being taken out but nothing going to my mortgage. I would like this issue resolved but I feel if I call again they will give me the same run around I will just end up in with same problem next month.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC (OR)

Received mail. See doc. Pre approval. Filled out online forms on XX/XX/XXXX. Download to XXXX wallet. No hard copy cards issued. Purchased gas, dog food and tried to purchase groceries. Sale declined. Went to my car and called.provided SS number, name and phone number as the number was registered to this account. They said they would not authorize the release so I could purchase groceries. It was flagged for fraud? And this was for my protection. I said no, absent negligence on my part my liability was {$50.00} and this was for their protection. XXXX minute phone call. See documents. I told them I would cancel the card on Monday. I called Monday. See doc, canceled card. They offered me a {$25.00} credit not to cancel. I declined saying I didnt want to do business with them. I requested an email confirming I had canceled the account. They said they couldnt send an email but would mail a letter. No letter has been received.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc. (TX)

I entered into a written settlement agreement with Prosper and satisfied the terms of the settlement agreement. The settlement agreement ( copy attached along with other correspondence ) clearly specifies that Prosper " shall notify the credit reporting agencies that it reports to that Borrower 's account has been settled in full ''.

Prosper is instead reporting my account as " settled for less than the full balance '' which is considered a derogatory account on my credit. 

I have exchanged numerous emails with Prosper and Prosper is now claiming when a settlement is completed, there is only one credit reporting update that is sent to the credit bureaus which states the loan has been settled. The credit bureaus display this reporting as settled less than the full balance. 

This not what is stated in the written settlement agreement. If this was the case then Prosper should have disclosed the following language in the settlement agreement : " You confirm your understanding that the credit reporting agency will reflect your account as " settled for less than the full balance ''.

This significantly impacted my credit score and has delayed me refinancing my home and rates have increase by 1.5 % since this was reported in XXXX. 

This needs to be brought to light as there are likely hundreds of folks like me who have been misled.
Consumer complaint received 2022-03-23
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. (MD)

This XXXX XXXX XXXX XXXX  account was taken over by XXXX XXXX XXXX, XXXX. My settlement with XXXX & XXXX was agree to by both parties and upon full payment of our agreement, the XXXX XXXX Account derogatory information would be permanently removed from my Experian, XXXX, XXXX, et al credit bureau reports files. 
In the past year and a half or so, I have spent well over {$1500.00} on credit repair companies, XXXX XXXX and XXXX, to have XXXX XXXX Bank delete all of their derogatory credit bureau report information reported to Experian, XXXX, XXXX, et al credit bureau, to no avail. 
XXXX XXXX Bank sold my account to XXXX XXXX XXXX, and I paid XXXX & XXXX the full agreed to amount, and XXXX XXXX Bank refuses to remove their derogatory information from all credit bureau report files, even though they sold my account to XXXX XXXX XXXX. 
Once I paid XXXX & XXXX in-full, then my original debt was completely paid off, as agreed to by XXXX & XXXX and myself! 

XXXX XXXX XXXX
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

I filed a complaint regard XXXX XXXX and my credit score went from the mid XXXX 's to the lower XXXX 's my credit report dropped XXXX points for two or three credit inquiries instead XXXX points each.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I filed a complaint regard XXXX XXXX  and my credit score went from the mid XXXX 's to the lower XXXX 's my credit report dropped XXXX points for two or three credit inquiries instead XXXX points each.
Consumer complaint received 2019-11-20
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. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2022-10-27
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. (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, 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 2022-03-23
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 EXPRESS COMPANY (OH)

The credit company has reported to the credit bureaus that I have a delinquent account with them, and when asked to back it up or to take it off the XXXX bureaus, they have not responded at all.
Consumer complaint received 2023-12-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (FL)

XXXX permanently closed my account without providing any reason, and despite my continuous inquiries over the past XXXX years, they have not offered an explanation for the closure. I am frustrated by the lack of transparency, as I am confident that I did not violate any rules or terms of service. Despite my efforts, the account remains closed, and I am seeking resolution to this matter
Consumer complaint received 2017-08-21
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. (IL)

Starting in XXXX of 2017, multiple credit inquires were made by companies and businesses that I did n't authorize. I have a credit verification statement placed on all 3 credit bureaus yet the credit inquires were granted. I was only notified after the fact via checking my credit report. I also included my phone number to verify if I authorize a credit inquiry. I fear that my SSN was used by someone pursuing credit and now my credit limits have been decreased on 1 of my credit cards ( XXXX ) due to these multiple inquires. All 3 credit bureaus have yet to report paid off balance or call/contact me about these numerous inquires. Also, multiple charges and cash advances were made without my knowledge as well ( XXXX ). Credit Bureaus at fault ... XXXX Experian XXXX I have started a Identity Theft Report with the Federal Trade Commission as well ; I have already been a victim of identity theft before.
Consumer complaint received 2022-10-27
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. Please report the payment status positive and update the late from reporting on these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-16
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit reporting act XXXX Account, 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 an account without my written instructions.

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 purpose.
Consumer complaint received 2024-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC. (AZ)

On XX/XX/2024, I opened an online bank account with Ally Bank. On XX/XX/XXXX, I deposited a XXXX  XXXX XXXX check via mobile deposit. This check represented the remaining balance from closing my XXXX  XXXX XXXX account. The Ally app indicated that the check would clear in five business days, and on XX/XX/2024, the funds became available in my Ally account. However, the following morning, I received a notification to contact the bank due to an issue with my account. After speaking with XXXX from Ally Bank, undergoing security verification, and being assured of the check 's legitimacy, my account remained inaccessible. Despite repeated attempts to resolve the issue, Ally Bank informed me of an ongoing investigation regarding the check 's authenticity, leaving me in financial limbo. XXXX  XXXX XXXX confirmed the check 's clearance and availability of funds but provided no assistance in resolving the matter. As a single mother facing eviction and unable to meet my son 's needs, the situation has left me distressed and without recourse.It 's crucial to articulate the full depth of how they've impacted me, leaving me in a state of turmoil. ''
Consumer complaint received 2022-10-13
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX CO 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
Consumer complaint received 2023-09-27
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. (FL)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2022-08-30
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. (MD)

XXXX XXXX act number XXXX is a violation of privacy rights according to 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 written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

Citi bank has been closing my account with no reason no explanation. The ban informed me that the money left in the account will be mailed to my house it has been over 5 months I have not received my money. 
They keep closing my account one by one and keeping whatever money that is leftover. every time I called I get that the same reply it was being looked on and nothing. Employees keep hanging up the phone. 
I believed Citibank and its employees are discriminating against me, being told I am angry which I have every right to be. 
Citibank is the one committing the fraudulent activity at this point since they keep closing my account and keeping my money.