davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-04
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: Experian Information Solutions Inc. (NC)

I reviewed my credit report and found that a bankrupcy appears on my report. That bankrupcy was discharged by a judge on XX/XX/2015 and should be removed from my credit report. Experian and the other two credit reporting companies have not done this yet. I've attached a copy of the court order discharging this item. Thank you.
Consumer complaint received 2019-09-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CT)

On or about XX/XX/19 I received a Annual Escrow Acct Disclosure Statement from US Bank Home Mortgage ( the mortgage co. ) stating there is a {$1300.00} short fall in my escrow acct and I can either pay that amount or it will be set up within the next 12 payments starting in XX/XX/2019. 2 days later I received the XX/XX/XXXX statement showing an increase on the monthly of about {$120.00}. The statement breakdown shows the increase in the escrow contribution but shows the tax contribution unchanged. It also shows an increase in the home insurance contribution. Mon.,XX/XX/19 I called my town to verify that the property taxes had not gone up, they were the same as last time. I then called my insurance co and verified that my housing insurance has not changed. In fact I changed insurance companies back in XX/XX/XXXX ( will get back to this ) So having this information I then called the bank. Spoke with a rep, asked why there was a short fall. She first came back with the insurance had increased. I struck that down and also informed her that the taxes had not changed. She never answered that with why my insurance contribution had increased ( for no reason ) finally came back with the real problem. When the old insurance co sent me a check for the returned premium, {$1100.00}, I deposited it and wrote a check to the bank and put a note as to what the check was for, because I called them to find what address to send it to. Someone at the bank took the payment and credit it to my mortgage payments, {$1000.00}, an sent the difference towards principle. This would have been toward the XX/XX/XXXX payment, which I had made already and they cashed on XX/XX/19. So there is a payment floating around somewhere and my escrow account is missing the {$1100.00}. This information came out of the reps mouth to me but she could not figure out the problem. Now that leaves a difference of {$250.00} escrow short fall which I pointed out and again asked why, no answer. Plus the fact that they are trying to get {$20.00} more per month for my insurance which did not go up. I have unfortunately been with this bank for over 8 years as they bought my mortgage before the ink was dry on the paperwork and it has been a horrible experience. I have another complaint towards them about predatory lending but I will submit that as a second complaint.
Consumer complaint received 2019-09-26
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. (CA)

Equifax continues to report fraudulent charges on my credit report, from XXXX  XXXX XXXX, after I have reported/informed them that XXXX XXXX XXXX is reporting fraudulent charges/activities that do not belong to me. Equifax is also posting this account in support of XXXX  XXXX XXXX ; without viable proof. When I reported the incident to the CFPB in XX/XX/XXXX about XXXX  XXXX XXXX not rectifying this issue, XXXX XXXX  XXXX did not respond to the complaint in a timely manner, nor did they provide a resolution or reasoning. I would like for Equifax to remove the fraudulent account from my credit report. They are the only reporting agency reporting this.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I submitted a dispute letter XX/XX/2021 and XXXX  nor Experian has responded within 30 days. I'm asking the accounts listed on the dispute letters be removed asap per the FCRA they are to respond in a timely fashion and if they don't they have to remove all items by law. These companies have failed to uphold the law!
Consumer complaint received 2019-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MA)

My husband and I have filed chapter XXXX. We have had so much trouble with mortgage payment. First my attorney was unclear about our payment. Then this past XX/XX/XXXX the mortgage company changed and our payment went from XXXX to XXXX. Also are payments were not shown as paid and instead went into unapplied funds. So every month it was shown as past due amount. Can this be fixed?
Consumer complaint received 2023-04-06
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. (TX)

This complaint is for TransUnion Bureau. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

XX/XX//2017 I started an application to file bankruptcy but never completed the application process. Therefore the court dismissed XX/XX//2017. 

XXXX XXXX has failed to report my payments since to the three credit bureaus, thereby causing me not to be able to qualify for refinancing. I have paid all my payments to the on time monthly. However they did not report my payments to the credit bureaus. 

I did not know they were not reporting my payments to the credit bureau until I applied to refinance my home, and the perspective lender advised me the payments were not showing up on the credit reports and were hurting my score and ability to get a loan. 

I called XXXX XXXX  and disputed with the credit bureaus repeatedly without their taking any action to help me. 

XXXX XXXX account # XXXX Balance approximately {$6000.00} Home Equity line of credit
Consumer complaint received 2019-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (TX)

Due to privacy concern, I will not disclose my legal full name, my credit card account number, my home address, and my social security in the report unless CFBP and Chase ask for it. 

I was trying to dispute with Chase about unauthorized purchase ( merchant name is XXXX XXXX with the amount of {$35.00} on XX/XX/, 2019. 

I made a dispute online on XX/XX/, 2019 with Chase. 

As of today XX/XX/, 2019, Chase has not placed a temporary fund {$35.00} to my credit card while Chase investigating my dispute. 

I tried to contact Chase via XXXX on XX/XX/, 2019 for asking temporary refund and Customer Service Rep refused to do it. 

I tried to contact Chase again on XXXX XXXX, 2019 at XXXX and Customer Service Rep refused again to place temporary refund to my credit card. 

I tried to contact Chase again on XX/XX/, 2019 at XXXX and Customer Service Rep refused again to place temporary refund to my credit card.
Consumer complaint received 2024-03-03
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXXXXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX XXXX # XXXX 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 2023-04-06
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. (NY)

In XXXX of 2023 I sent all 3 credit bureaus as well as these creditors XXXX, XXXX XXXX, XXXX, AND XXXX XXXX XXXX . THE COMPANIES ARE REPORTING FALSE INFORMATION AND ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME. I ALSO SENT ALL 3 BUREAUS A LETTER IN REAGARDS TO FRAUD ADDRESSES, NAMES, AND EMPLOYMENT THAT ARE NOT MINE AND STILLIT SHOWS REPORTING. THIS IS CAUSING ALL 3 CREDIT BUREAUS TO REPORT FALSE INFORMATION THAT DOES NOT BELONG TO ME. I SENT THESE COMPANIES A LETTER, A COPY OF MY I.D, SS CARD, FTC REPORT, AND A LETTER STATING THAT THE ITEMS NEED TO BE BLOCKED AND REMOVED AND FOR THEM TO SEND ME THE STEPS ON HOW THEY CONFIRMED THAT THESE ACCOUNTS WERE MINE. THEY DID NOT DO SO ALL THEY SAID WAS IT WAS VERIFIED BUT DID NOT PROVE TO ME HOW. SO BY LAW PER 15 USC 1681B " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) '' THESE ITEMS MUST BE REMOVED IMMEDIETLY. I AM THE CONSUMER AND I KNOW MY RIGHTS. THEY ARE BREAKING THE LAW
Consumer complaint received 2023-04-06
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)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2019-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (IN)

I opened a checking account in Citibank on XXXX XXXX, 2018. The banker enrolled me in a promotion for {$200.00}. It said I can get {$200.00} if I deposited {$5000.00} in 30 days and keep it for 60 days. I made the deposit on XXXX XXXX and kept it until XXXX XXXX. It is 75 days. But I haven't received my promotion. I have contact with their customer service. They just kept asking me to send them my Form XXXX. And I have sent several times. But they never paid me the promotion.
Consumer complaint received 2019-09-26
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (WA)

I have disputed a specific collections account listed on my credit report ( XXXX ) and Experian is continuing to allow them to update the account that is over 7 years old. This company has updated the date the account was opened 3 times and Experian is allowing this to affect my credit. I dispute and then the account becomes worse. The account was opened in XX/XX/XXXX. One of the latest reportings was that the account would drop off my credit in XX/XX/XXXX. Now, it has been updated to XX/XX/XXXX. 

This is hurting my credit in a major way and I have continued to try and resolve and have it removed ( based on age of account and inability to pay balance which was tripled to over {$7000.00} ) Please take a closer look at this concern.
Consumer complaint received 2022-07-19
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. (TX)

It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance {$2700.00} ; EXXXX XXXX XXXX XXXX XXXXXXXX Balance {$760.00} ; XXXXXXXX XXXX, XXXX XXXX Balance {$360.00} ; XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX Balance {$1400.00} ; XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$1200.00} ; XXXX XXXX XXXX XXXX Balance {$630.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-09-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BRAUFMANN, LEIGHMANN & ASSOCIATES (TX)

I received a voicemail that had no information, only said We are trying to contact you please call this number back and reference the case number But they never said my name or the case number. I called the number back and XXXX XXXX answered and said I owed a debt for a XXXX XXXX opened in 2006 and I needed to pay {$4700.00} today or I was getting served. He said they have sent correspondence to an address I havent lived in for years and when I explained that he said, it doesnt matter we still tried to contact you and you never responded. He said he was with Braufman and Associates and they would be showing up to my place of employment to serve me. Again, had the  incorrect employer. I explained that to him and he said I dont care I have your social, I can get your information whenever. I doubted him, but he was very persuasive and threatening. He told me to hang out and the payment department would take my payment information and set up a payment plan. I waited 5 minutes, some guy got on the phone and took my debit card information and hung up. I received a docusign form asking for my debit card information again but no contract, nothing with the law offices information, no payment amounts ... nothing. After I signed I thought it was very fishy. I started XXXX the law office and only found complaints of fraud and scam. I went back to look at the docusign and the email address is a XXXX account. I dont think this is legitimate.
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FIRST NATIONAL BANK OF OMAHA (FL)

I opened this card on XX/XX/2022 I only used {$1.00} on the card with no problem. After a few weeks of having the card, FNBO have decided to stop me from logging in to make online payments & Telephone payments. After talking to several agents, I was told I'm not allowed to make payments until I submit documentation that was requested out of no where. I felt forced to submit my private personal documents such as, my paychecks and pictures of my SSN and ID in order to pay my account and avoid being late to not impact my credit. As of this moment I do not know when is my due date and they are not allowing me to make payments on my account which will cause me to be late on payment & eventually impact my credit. Overall, I was forced to submit personal documents in order to have the ability to pay my balance, and I'm still being asked for more documentation as part of XXXX discrimination even after submitting the initial requested documents. I DO NOT want to be an FNBO customer but i'm being forced to be a customer because of the unpaid $! balance that I want to pay. My lawyer is already aware of this situation, and if this bank institution does not allow me to pay my unpaid balance and it ends up impacting my credit they will pay the price.
Consumer complaint received 2021-03-08
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. (SC)

XXXX XXXX XXXX account # XXXX was removed from my 3 reports on XX/XX/2020 and place back on XX/XX/2020.
Consumer complaint received 2019-04-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MO)

I had a second Mortgage with Ditech. I refinanced my first and second mortgage together and Ditech was paid in full on XX/XX/19. Prior to this second mortgage being paid off, Ditech withdrew a XXXX payment from my automated payment. Once the mortgage was paid off on XX/XX/19, I had a total of {$1200.00} that ditech owed me for over payment of the payoff along with the XXXX they withdrew from my bank account. Once Ditech closed the loan and showed it paid in full, they applied this {$1200.00} to escrow which I never had an escrow on this loan since it was a second mortgage. They are trying to tell me they have 20 days to refund escrow but I have tried to explain to them that this is not escrow money and just an over payment after the loan was paid off. I have already received the escrow money from my first mortgage but for some reason Ditech is refusing to refund my over payment money to me. I need assistance in getting this money. I have copies showing where the loan was paid and how much they currently owe me.
Consumer complaint received 2022-03-30
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)

XXXX XXXX On XX/XX/2022 I received a notification that someone applied for an account in my name and identity. However, it was not me. Upon this notification from XXXX I immediately filed a police report. I have also called XXXX XXXX to have the hard inquiry removed from the Credit report and the hard inquiry has not been removed going on two months now. Requesting for the hard inquiry to be removed from my credit reports.
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contacted the Credit Agencies in an effort to get them to remove fraudulently reporting accounts and inquiries from my credit file. The following fraud accounts are reporting on with the following Credit Agencies : Transunion is Reporting the following fraud accounts : 1. Law Offices - XXXX XXXX XXXX 2. XXXX - XXXX XXXX XXXX ( 3 Accounts ) 3. XXXX - XXXX XXXX 4. XXXX XXXX XXXX is Reporting the following fraud accounts : 1. XXXX XXXX XXXX is Reporting the following fraud accounts : 1. XXXX XXXX Please assist in helping me to get the following items removed
Consumer complaint received 2019-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Real Time Group, Inc. (MO)

I filed bankruptcy and included REAL TIME RESOLUTIONS with that and they keep reporting on XXXX XXXX AND XXXX I've given them ample proof and time and they keep reporting causing my score to go down every time. I've had it with all XXXX of these bureaus. Not to mention they have XXXX  of my mom 's credit cards on my credit and refuse to take them off. Please help me get them to do the right thing.
Consumer complaint received 2019-04-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Bread Financial Holdings, Inc. (CA)

Respected Sir /Madam, I bought a engagement ring from XXXX XXXX an year back, while buying the associate as usual was very keen selling the item. As the ring was expensive we asked for a finance option, and the associate gave us an assurity of 0 % no interest on the loan, and me and my to be other half decided to put some down payment and take the use of 0 % finance scheme. 
We came out happy from the store I went home and set up an auto payment option of XXXX $ per month to the finance scheme from XXXX XXXX ( through comenity bank ). 
Please see the details of the payments I have done till date. 

Down payment at purchase ( XX/XX/XXXX ) XXXX $ Monthly payment ( Every month since XX/XX/XXXX ) XXXX X XXXX month= XXXX Interest charged ( every month ) total XXXX $ Total amount I still owe XXXX XXXX day I just thought of opening my account and checking out how much I still owe and I figured out I am paying 14 % interest every month. 
When I called the customer service of comenity bank, they opened my dispute and sent me an reply that I have to pay. 
I bought this ring taking into consideration the deal of 0 % finance, the person working at XXXX XXXX did not even mention about 14 % interest I will be paying. 
Sir/mam, this is very hard earned money and it is very frustrating to see how these big companies try to do the shady things and extract money from normal people. 
Please help me out. 
I am ready to pay my remaining balance of XXXX and I should get my refund back for XXXX XXXX
Consumer complaint received 2019-09-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CHALLENGE FINANCIAL SERVICES (CA)

challenge financial added {$2000.00} extra to my loan, according to them because i didnt have insurance on the vehicle when i got it but i did i dont find fair for me to be paying insurance on their end and at a different insurance company. for me still owing {$10000.00} when the car was XXXX how is it possible for me to still owe more than half of the car. when i been paying it for over 2 years. it was suppose to be a 36 month term and now they added a whole year to it. im already over paying for the vehicle itself for them to try to take advantage of it. i already had way too many problems with this company, i getting really tired of, if it doesnt get resolved i am ready sue.