davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I am having some issues on my credit report. I have inaccurate information showing My name is XXXX XXXX XXXX. my DOB is XX/XX/XXXX. My currnt and only address is XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. My phone number is ( XXXX ) XXXX. My current employer is XXXX XXXX XXXX. 
The following addresses are not mine please delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX The following phone number are not mines : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2022-02-22
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. (IL)

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

XXXX Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXXXXXX Account XXXX : XXXX Please remove it from my credit report. 

As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I called Bank of America to request my bank statement from the date the account was opened till the date it was closed. 

They refused to provide that information. 

I need this information to reconcile the accuracy of what is being reported in my credit report with all the CRAs. 

On XX/XX/2022 I spoke with their staff ( XXXX- by XXXX ) and they will not provide the bank statements. 

Please intervene and make Bank of America provide me with this information. 

Thank you.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Consumer complaint received 2020-11-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

On XX/XX/2020 Toyota Motor Credit sent me a letter to collect the debt with amount is {$3600.00}. I respond to them that I don't have any account with them and my name is not the same as the person they want to collect the debt but they didn't respond to me. 

Today XX/XX/2020 I received a letter from XXXX XXXX XXXX XXXX attempts to collect the debt for Toyota Motor Credit, that debt not belong to me.
Consumer complaint received 2019-07-30
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)

The items listed below do not belong to me and must be immediately removed from my credit report. 

1 ) XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX with {$0.00} Balance 2 ) XXXX XXXX XXXX Opened : XX/XX/XXXX with {$11000.00} Balance These accounts are reporting in error. I have filed a complaint with local authorities and the FTC. If they are not removed, I will file a civil suit against the credit bureaus for falsely reporting information.
Consumer complaint received 2022-02-03
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (NC)

On XX/XX/2019 i was issued a Closing disclosure different from the one provided during the loan process, and was expected to close on the XXXX, ( the next day ). I have since found that to be compliant, i should have been presented this document three days before the closing. This may not be much of a big deal but my concern was at the time, and has continued to be the amount required to close. One document, page 1. states the closing cost should have been {$9900.00}, which included a mysterious ( other cost of {$2100.00} ) sprung on me at the last minute. This other cost is entered in line I of page 2, without any explanation, after many inquiries to the closing agent. The lender was not present at the closing, nor was the attorney, only a paralegal. To further add to the confusion, line D of page 2 states the total loan cost to be {$7600.00}, after subtracting my appraisal fee which was paid outside the closing in advance. To further add to this confusion, on page 3 in calculating cash to close. it confirms that i paid {$8500.00} in a deposit, and {$3000.00} in my down payment, which totals {$11000.00}. My primary concern/complaint is the {$2100.00} in " other cost '' and line 2. page 2 {$890.00} " comment '', the math doesn't add up. I think I'm due a refund, and possibly damages from this unfair and deceptive trade practice. I need an investigation into this matter.
Consumer complaint received 2022-02-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Experian keeps saying that my CFPB complaints as well as disputes are coming from a third party when thats just not true. That would require the third party having my login information which is simply not true. I am sending all correspondence to my attorney on this matter. Im authorizing this dispute because I was the one that submitted the case
Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (MA)

Contacted Chase Credit Card customer service regarding a flight booking ( Travel date was XX/XX/XXXX ) that was canceled during XXXX XXXX wave. I booked the flight through Chase Travel booking website. They provided travel credits on XX/XX/XXXX for the same airline which I couldn't use because of travel restriction by US. I called Chase for a refund, and they asked me to contact the airlines ( XXXX XXXX ) directly. I contacted XXXX multiple times, there was more than 2 hours wait time. Finally when I got connected with XXXX customer service, they mentioned that Chase can lookup airline cancelation policy at XXXX XXXX XXXX and that I am eligible for a full refund. I called Chase again with this information. The customer service then provided me an option of partial refund. I didn't understand why. So I insisted them to check with XXXX for a full refund ( XX/XX/XXXX ). It has been two months after this.

In the email Chase sent me, they had mentioned they will contact me after 5 business days. Each time I contacted them instead when there was no response or update from Chase for weeks. 
I contacted Chase again later ( XX/XX/XXXX ). They mentioned they need a " waiver code '' from XXXX. This time I was connected to a customer service manager and she tried to contact XXXX over phone while I was on hold. The resolution was still the same. They said they will contact XXXX through email and will update me when they reply.
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On about XXXX XXXX XXXX I recieved a letter from Bank of America stating that they resolved the dispute in my favor for the amount of XXXX which they said they issued to me.. I have not yet recieved that money I called to fix this but they keep telling me that they will resolve it and havent I am homeless I really need this help
Consumer complaint received 2022-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion has broken several laws according to the FCRA. I have sent them letters ( certified ) with no response, even though I have proof of the letters being received by TransUnion. When I contact them, they say they do not have my FTC report or any of my correspondence on file, they constantly tell me to resend letters that they are clearly deleting from their system. I have proof of the letters I sent along with the certified mail receipt showing that they have received the letters with no response to me from TransUnion.
Consumer complaint received 2018-08-16
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

The reason for my filing of these complaint is to state that capital one is being un reasonable with my case. I had disputed my account ref number : XXXX XXXX XXXX XXXX on XX/XX/XXXX, about late payment history around XX/XX/XXXX to XX/XX/XXXX. 

Capital one requested me to provide proof of my not being able to make my payment. As a result, I sent capital one the doctors proof of sickness ( medical report ) and my XX/XX/XXXX Bank statement that shows that I had around {$19000.00} back then that could have covered the payment due were it not for the serious medical condition that I was under. 

But to my surprise, even after providing all the documents that capital one had requested as proof, capital one still refused to remove the late payment history they are reporting on my credit file. I am requesting that capital One remove the late payment history they are reporting on my credit report. 

Attached here with : 1. My dispute letter sent to cap one on XX/XX/XXXX.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Comerica (PA)

XXXX Comericq Bank for my SSDI Beneficiary direct deposits via their direct express card. Set this up so my first deposit would arrive on XXXX I used Comerica Bank in past ( up until XX/XX/ ) before changing banks. Input my card number correctly too. Checked three times. SSA has proof they sent my XXXX SSDI payment to Comerica Bank for deposit. I went to my local SSA office to get printout as proof ( TRACE number XXXX ) XXXX XXXX. Spoke to two different DIRECT Express reps. They can not see my SSDI funds, even though were in fact sent to Comerica Bank. I called direct express cs again at XXXX XXXX XXXX XXXX EDT on XXXX  Spoke to a supervisor. Told me my Direct Express Card number is not active ( Cards beginning with XXXX ). Now use a card beginning with XXXX something something.she is seeing my {$1500.00} SSDI deposit on my new card ( which I do not physically have ). She then transferees me to correct department, but I can not input my social security number, as it is unrecognized. I could not leave a message or leave a request for a callback. So I basically am at impasse through no fault of my own. This company stinks.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

Summary of Accounts being challenged in list form XXXX/XXXX  - Account XXXX XXXX  XXXX - Account XXXX XXXX  - Account XXXXXXXX XXXX - Account NumberXXXXXXXX XXXX XXXX XXXX - Account XXXX
Consumer complaint received 2019-05-24
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. (WI)

Equifax is refusing to remove FRAUDULENT information from my credit report. This is a direct violation of FCRA 605B, Equifax received my FTC Fraud Affidavits attached to this complaint on XXXX, ( 14 ) days ago. 

FCRA 605B states the following, ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt How can a consumer reporting agency blatantly ignore laws they are required to follow? Remove this information now, or I will file suit and pursue this in the court system.
Consumer complaint received 2019-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (TX)

I received a notification on Saturday XXXX XXXX that my Equifax credit score dropped 70 points because of a medical collection was added to my Equifax credit report. The collection was from  XXXX XXXX XXXX for the amount of {$300.00}. The original creditor was XXXX XXXX XXXX XXXX XXXX. I contacted XXXX XXXX  by phone on monday XX/XX/2019 morning at XXXX XXXX  CST and spoke to XXXX XXXX. I made her aware that the collection was not valid and that debt had already been paid to XXXX XXXX XXXX XXXX. XXXX XXXX told me that indeed were in contact with the hospital and were aware the debt had been paid and that they would be sending a Deletion Letter to all the credit bureaus informing them to remove the collection off of my credit reports. This has still not been done. XXXX still has not sent the deletion letter, and they will not return my emails or phone calls. I than called Equifax and they told me there was notning they could do but wait 7 to 10 business days to remove the collection even though I had a deletion letter in hand proving it was wrong. I spoke to XXXX at Equifax, his employee number is XXXX. I told him I needed it removed immediately because it violated my FCRA rights and he again told me he could not do anything. These actions by both Equifax and XXXX XXXX  are in direct violation of my rights protected under the FCRA laws. This collection needs to be removed from all of my credit reports immediately.
Consumer complaint received 2019-07-30
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC. (FL)

I have requested many times not only verbally but in writing not to contact me at work and Navient continues to do so. Now not only are they calling random numbers here at the XXXX XXXX where I work they are telling people they are a debt collector and they need to speak with me. Now they are contacting family members that I never put down as a reference who have nothing to do with my finances. And this week I am getting messages from people that I am XXXX friends with that only know me on social media and they are saying that they received messages from Navient trying to contact me. Enough is Enough! Isn't this illegal? How do they have the power to go into someone's family and social media and contact people to make me look bad. Please stop this!
Consumer complaint received 2022-10-07
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. (NJ)

I am disputing the following XXXX account for inaccurately reporting on my credit report for the past several years on Transunion. Proof was sent as an additional reference. On XXXX it says that the high balance is {$0.00} but on Transunion it says that the high balance is {$310.00}. Per Section 15 U.S.C. 1681i. I requested Transunion to delete the following account for inaccuracy on my credit report. This letter was sent on ( with proof ) XX/XX/2022. I received response on XX/XX/2022 saying that the account was verified.
Consumer complaint received 2022-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (CA)

on XX/XX/XXXX I was urged to contact my bank Wells Fargo by a XXXX representative regarding a potential fraud attempt on my account. I contacted Wells Fargo and gave them the XXXX representatives I.D . number. The Wells Fargo representative confirmed the I.D . of the XXXX representative as legitimate after speaking with the XXXX representative. The Wells Fargo representative informed me of fraud attempts was in progress and it was intercepted as a result of the information received. I was instructed to assist the XXXX representative and to do whatever was needed to be done and that any money that was lost Wells Fargo would reimburse. If I didn't follow the instructions and lost money I would not be reimbursed. My credit card became max out. I contacted Wells Fargo in writing letter dated XX/XX/XXXX USPS Tracking Number XXXX. I spoke and was told on XX/XX/XXXX that the case is still open and not do ( pay on account ect ) anything until I receive another letter. I spoke to a Wells Fargo today XX/XX/XXXX and they claim they never received a letter from me. I was told I have to pay on my credit card account which I feel I should not.
Consumer complaint received 2021-03-09
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. (CA)

I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.
Consumer complaint received 2022-02-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America has never notified me that the loan application was denied nor the reason. I received confirmation that all required information was successfully submitted on XX/XX/2021. I received a copy of the appraisal for which I paid and it showed a loan to value of 55 %. We have high ( XXXX ) credit scores, stable income, and our debt to income ratio is 29 %. The only reason I can imagine is XXXX. I called and e-mailed several times to find out the status of the application but never received a reply. On XX/XX/XXXX, the loan officer finally responded with an email that it looked like to him the application was denied but did not give a reason. I want to work with another lender but can't until I can explain to that lender why the previous application was denied.