davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-03
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. (LA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$510.00} XXXX  XXXX XXXX Balance : {$1700.00}
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (GA)

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2022-12-03
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. (LA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXXXXXX Balance : {$1700.00}
Consumer complaint received 2019-11-14
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/19 i made an purchased with features 901 then 14 i returned all my items cause nothing fit then i asked for an exchange which i had to pay XXXX dollars different that i never received and the owner of this place accused me of stealing my own items
Consumer complaint received 2015-07-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PMAB,LLC (NC)

Professional Med Adj Bur is trying to collect a medical bill from me that I do not owe. I have told them that I had medicaid that paid for my prenatal care. I have even given them the medicaid number, to no avail.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Under Customer Statement with TRANSUNION they have a comment in which I Never asked them to place on my Credit Report, this comment only shows up under TRANSUNION. I would like the following statement removed from my TRANSUNION CREDIT REPORT IMMEDIATELY. The statement is impacting my approvals with other lenders. 
STATEMENT REPORTING : NATURAL OR DECLARED DISASTER VICTIM. I AM UNABLE TO MAKE TIMELY PAYMENTS DUE TO THE IMPACT ON MY JOB/WAGES AS A RESULT OF THE COVID 19 PANDEMIC. NATURAL OR DECLARED DISASTER VICTIM. HURRICANE HARVEY/COVID19
Consumer complaint received 2021-06-12
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. (OH)

There was 3 disputes I have tried to get opened back up with Experian. Under FCRA and experian guidelines, new information in grounds for re-investigation. Well, that is exactly what I have done, 3 times now. I have submitted new information, that pertains to a dispute, that I have never introduced. The attached information will be available as well. The first is 2 XXXX XXXX XXXX XXXX Accounts that includes the statements of the serveral months that shows as late on my credit report. These statments prove I was never late and it was a common reporting error by the bureau. Secondly a letter directly from XXXX XXXX from a CFPB case that entails the inaccurate information will be deleted and Experian has yet to accept that information as grounds for re-investigation. This continued violation of my FCRA rights has costed me money, time, and most importantly fair access to credit and lending due to the negligence Experian continues to show.
Consumer complaint received 2021-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Neon Newco Corporation (NJ)

UNSOLICITED DEBIT CARD FROM XXXX XXXX  ... XXXX.I received a DEBIT CARD from XXXX XXXX that I never applied for.
Consumer complaint received 2022-10-10
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. (NJ)

I have been closely monitoring my credit for the period of six months and requested for a validation of each fraudulent accounts listed on my report to be verified and validated with the original promissory note/letter. 
I received no remedy of result from this request. 
As time ensued, I discovered multiple consumer violations of 15 USC subsection 1681 ( c ), 15 USC subsection 1681g ( a ) ( 5 ) of which my information was sold causing me financial setback having negatively affected my acquisition of various items of necessity. Violation of 18 USC subsection 1028 A ( 1 ) where the knowingly transferring of my private identity without lawful authority. Several violations of Permissible Purpose reports 15 USC subsection B, where I gave no authority for reporting my credit scores.
Consumer complaint received 2021-10-28
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. (FL)

In early XXXX I sent a letter to XXXX XXXX XXXX XXXX asking for validation and verification. They have not done that to this date far beyond the allowed time frame. I notified reporting bureaus of failure to validate and when told by reporting agencies the account was valid I asked for proof of validity/ method of verification in XXXX. They have not done this to this date, way past the time allocated. I put in a complaint about this yesterday, the account is not valid, and violates the time restraints outlined in the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
Consumer complaint received 2021-06-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp (TX)

I started a online application with myself and a co-applicant to check rates without affecting my credit score per their website. After checking my rates I called a few days later to review and ask some questions over their balance transfer loan process. During this call I did not request and was not made aware that the agent assisting me was starting a loan application for me under my name only. I ended the call and a few days later when I was ready to submit the application for the loan I noticed that my co-applicant was not on the loan. I called to inquire about this and was told by the agent on this call that since I am the main applicant only my name would show and the co-applicants would show on another page. With this information I then submitted the application and was approved for the loan, without the co-applicant on it. I did not know I was submitting a application for myself only as that is not what I started online and was not told by any of their agents that there started a new application under my name only. I want the credit inquiry to be taken off as it was ran under false information given to me and a false application I did not agree to submit.
Consumer complaint received 2021-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX XXXX, I deposited two checks with my XXXX into our joint checking account at Bank of America. One check was for XXXX} ( received an e-mail from bank that deposit was successful ) and the second was for {XXXX}, which the bank said was duplicative and rejected. I then saw on my account that the {XXXX} was taken out of the XXXX} and both checks were placed on hold. I tried to resolve the matter by phone for more than one hour to no avail. One call after a long wait on hold was taken by a person and his supervisor, who said they could not access the account. On another call after a long wait on hold, the clerk told me I would have to bring the checks to a branch. 
I am an XXXX incapacitated person who does not drive or have anyone I can ask to go to the branch with the checks. I have been a Bank of America customer ( I'm called a " preferred '' customer because my interest-free checking balance is more than {XXXX} each month ) ever since B of A bought out my friendly neighborhood bank.
Consumer complaint received 2021-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY (PA)

I called the credit card company to ask about getting my interest rate lower. My credit score is XXXX and I have paid my bills on time. I believe I am being redline because of where I live, My interest rate is 21.24 %. I called them in XXXX about my rate. They said that they could not lower it. I got a paper in the mail where they were offing me a loan with 0 % interest until 2022. This is not right.
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (MI)

accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Last activity XXXX Balance $ XXXX Monthly payment {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance $ XXXX Monthly payment {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last activity XXXX Balance $ XXXX Monthly payment {$0.00} XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX  Last activity XXXX Balance $ XXXX Monthly payment {$0.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last activity XXXX Balance $ XXXX  Monthly payment {$0.00} XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last activity XXXX Balance $ XXXX Monthly payment {$0.00}
Consumer complaint received 2021-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (VA)

On XX/XX/2021 I Reached Out To Acima Credit XXXX XXXX About Accoun XXXX That Has Been Damaging to my credit report I asked for a debt validation I asked Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature -License proof to collect debts in my state I have not received any documentation or any response it has been over 30 days since the letter was mailed and I stated in my letter a sign of silence is a sign of guilt and I need this removed from my credit report
Consumer complaint received 2021-10-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (GA)

XX/XX/XXXX RE : Loan Modification Dear Sir or Madam, This letter is to inquire about a Subordinate Note that was haphazardly included in my XXXX Loan Modification with US Bank. In XXXX, after falling behind on payments I would try to catch them up, but as the cycle continued, I modified my mortgage in XX/XX/XXXX because of hardship. My payments were reduced from approximately {$1400.00} to around {$1000.00} which was more affordable. There was no out of pocket costs for the modification, and my term was extended 30 years. I thought the difference in my payment was added to the loan modification which would be captured in the extended term. 

In XX/XX/XXXX, I decided to apply to Refinance my mortgage to take advantage of lower rates and reduce my term. However, upon completion of a title search I was informed by US Bank that I had a Subordinate lien. I didnt know what that was or that it existed. US Bank did some digging and sent me a recorded Subordination for {$50000.00} with The US Department of HUD which expires the same time as my loan modification in XXXX. I was dumbfounded by the idea, because while I was facing hardship, I wouldnt and couldnt agree to a 2nd mortgage which would have to be simultaneously paid. If I couldnt afford my initial mortgage, how would I afford two mortgages? I dont understand where the {$50000.00} amount came from or why it was created in a 2nd lien XXXX US Bank has indicated that, they took what was owed and put it into a separate mortgage. This seems incorrect, because my missed payments didnt sum nearly that high, and whatever amount I defaulted on shouldve been added to the modification like whats traditionally done. 

While US Bank noted that Im currently responsible for payments on both mortgages/liens, Ive never received a billing statement from HUD, and the 2nd lien of {$50000.00} does not show up on my Credit Reports. How am I responsible for something that I dont know exists? US Bank has indicated that several customers were confused about these types of loans in the past which is problematic. US Bank indicated that to complete my refinance I would have to either add the {$50000.00} to the loan amount or subordinate it again. I dont know why a subordinate note was done originally, so I dont want it done again. 

It appears my loan modification was misleading. If I hadnt applied for the refinance, I wouldve never been made aware of the subordinate lien, never paid on it, and later would lose my home to a lien discrepancy. 

Why was the subordinate note was added to the loan modification and where did that amount come from?

If its truly a mortgage that Im supposed to be responsible for, why doesnt it appear on my credit reports? 
Is it forgivable if the primary mortgage is paid completely? 
Can the subordinate note be forgivable? 

Ive attached the documents associated with the modification and subordinate note. 

Your attention to this matter is greatly appreciated. 

Best,
Consumer complaint received 2022-12-03
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. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  MS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX, XXXX XXXX Balance {$1600.00} XXXX XXXX Date of Inquiry : XXXX ; XXXX Date of Inquiry : XXXX ; XXXX XXXX XXXX Date of Inquiry : XXXX ; XXXX XXXX Date of Inquiry : XXXXXXXXXXXX XXXX XXXX Date XXXX XXXX
Consumer complaint received 2021-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I XXXX XXXX on XXXX XXXX Sent a goodwill letter to said company Capital One asking for removal of negative report of late fee. Capital One responded that they are not able to removed these negative report.
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Bread Financial Holdings, Inc. (AR)

XXXX XXXX XXXX AND 2 BRANDS XXXX, XXXX ETC.. PLEASE RE-INSERT ALL MY ACCOUNTS BACK INTO XXXX  CREDIT FILES..XXXX IS VIOLATING THE F.C.R.A. 15 U.S.C. SECTION 1681g and YOU ARE VIOLATING THE CREDIT FURNISHERS LAWS AND ARE ALLOWING XXXX XXXX TO VIOLATED THE FINANCIAL NETWORK DESIGNED TO PROMOTE CONSUMER TO CREDIT RELATIONSHIPS.
Consumer complaint received 2022-12-03
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. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} ; XXXX, XXXX XXXX Balance {$1600.00} XXXX XXXX Date of Inquiry : XXXX ; XXXX Date of Inquiry : XXXX ; XXXXXXXX XXXX XXXXXXXX Date of Inquiry : XXXX ; XXXXXXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-10-10
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. (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.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I sent a picture of my ID and ssn to cfpb to send to them and you all didn't not send it they keep sending me letters telling me to send this information I don't understand whst is going on on making my credit report information rite and checking these companies that keep putting wrong information back and fort on my report I KEEP ASKING YOU ALL FOR HELP AND THESE COMPANIES KEEP SENDING LETTERS SAYING THEY DIDNT RECEIVE MY ID OR SSN THAT I JUST SENT YOU ALL PLEASE SEND THEM A COPY OF MY IINFORMATION ALL 3 6
Consumer complaint received 2022-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (ND)

USAA fraud department refused to reimburse funds to the account due to a scam of {$740.00}. I immediately notified the bank of the incident and uploaded all supporting documentation to show the malicious and complexities of the fraudster. The banks reasoning is that the money sent to the other account was a registered XXXX user and isn't fraud. However, this is fraud because the user created fake XXXX business emails to solicit the money. I believe that I did not act out of negligence and this was a thorough and premeditated attack on my finances. USAA does not have an appeals process at this time. It is important to note that I have banked there for 8 years and am considering switching due to their unethical business practices.
Consumer complaint received 2021-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law offices of Steven Cohen LLC (NY)

XXXX was an online catalog back in the XXXX and they are still writing me after I had filed many attempts for them not to contact me anymore for something I dont owe. They have now added some interest and fees to a Dept making it well over {$4500.00} for something I dont even owe. Under my old married name. They now have an attorney writing me as they had already ceased all action over 10 years ago only to restart. They have filed for bankruptcy and if you XXXX them, XXXX XXXX they had to pay millions for lying about how much they made. I wish for them to stop harassing me for a debt that is not mine! Thank you.
Consumer complaint received 2019-05-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (TX)

Open check account. With the promise of XXXX dollars would be added to my account. 
After my first direct deposit was made and it was over 500 dollars. 
The amount deposited was well above the 500. 
The deal said the coupon would be automatically applied. 
Guess what. It was not. 
Second direct deposit made. Again over well over the 500 dollar requirement. 
Went to bank XX/XX/2019. After over an hour wait. Met with XXXX XXXX. Branch manager & 1st Vice President. His number is XXXX. They reviewed snapshots of my application on line. But could not figure why we did not receive a coupon. 
But they would look into it. 
Well was told we should know something by Wednesday. Wednesday  has come and gone. Was not contacted. As he said he would. Talked on Thursday  XX/XX/2019. It was like they have not done any thing. Today XXXX XXXX. He called and said : they have not done any thing. 

It was shown on their snap shots. We have done every thing right and met all qualifications. Therefore it is a simple matter of and over ride and deposit the funds in our account. There is no reason to with hold funds. Unless it is a scam. 

Still waiting on matter to be resolved.