davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

My homeowners insurance company XXXX XXXX, the last resort provider for the state of Florida ) dropped me from coverage at the end XXXX XXXX due to not having water in my newly constructed pool. The pool building process took one year from contract and it was literally not possible to have water in the pool due to ongoing COVID related delays in materials, manpower, sub contractors, etc. Without a proper electrical hookup, they could not complete the job in a more timely manner. The mortgage company Chase sent me a letter advising that insurance was required or else they would buy it for me. I called them immediately upon receiving this letter, telling them about the predicament, and asking how long I had before they purchased a policy for me. I was told eight weeks. Six weeks later, the pool company completed their job, water was in the pool, and I was covered once again by XXXX with the same prior policy details. 

In mid-XXXX, I received another letter from Chase advising that I need to provide proof of coverage for the six week period I was without or else they would buy a policy for me in the exorbitant amount of {$1100.00}. As providing such a proof of coverage is impossible, I called Chase on three separate occasions asking what could be done. If nothing could be done from a relationship perspective, then the policy is what it is and I am left with no recourse. However, all letters received indicate that insurance MAY be purchased for me, at no point does it ever indicate that insurance WAS purchased. Despite this, apparently such coverage was purchased on my behalf and this {$1100.00} ( for SIX weeks ) will be taken from my escrow account over time.

At no point did Chase ever 1 ) Tell me that insurance was actually purchased 2 ) Who the insurance was with 3 ) What was actually going to be covered by this completely retroactive policy. The fact that a lender is able to use my money months later to purchase a policy and provide absolutely zero insight into the details of this policy or at least even be able to clearly confirm that such a policy was even purchased is appalling since their last letter continues to indicate that I may be charged. Without being provided such details in a more timely manner, it becomes more unlikely and less plausible that I would even be able to utilize this policy to file a retroactive claim against, thus making this practice seem unfair to the consumer. Again, my lack of coverage for this period of time was completely involuntary and since the insurer of last resort for the state of Florida dropped me explicitly due to the lack of water being in a pool, it does not seem likely that another provider would overlook this, thus another reason why obtaining insight into these phantom policy details would be of interest.
Consumer complaint received 2023-03-15
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)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-10
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: CITIBANK, N.A. (TX)

I am an authorized user on an account in my wife 's name. We have had the account for many years. I have contacted Citicard 3 times since XXXX. They have yet to report me as an authorized user. Each time they have indicated they had my personal information and would report at the end of the month to credit agencies. on XX/XX/09 I still my credit report still does not reflect that I am an authorized user.
Consumer complaint received 2023-03-15
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. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX XXXX XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-17
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. (DC)

In accordance with the fair credit reporting act XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX financial 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 an account without my written instructions.
Consumer complaint received 2019-06-27
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. (NY)

I have a XXXX XXXX account with an account number ending in XXXX. I wrote to the bureaus requesting an investigation into this since I didn't feel it was reporting accurately. 

I received a response from the bureaus saying it has been verified, yet I got a letter from XXXX  XXXX which I will attach, claiming the bureaus didn't send over enough information for them to understand the reason for dispute and review. Which means they were unable to verify this properly therefore it should no longer be on my report.
Consumer complaint received 2017-05-28
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. (TX)

I 've repeatedly requested that   XXXX   and Transunion correct my credit report related to the  XXXX   XXXX  Account. This account was paid-off as agreed on  XXXX   XXXX ,  XXXX  ( see attached documents ). However,   XXXX   still reflects and inaccurate collection status in  XXXX  of  XXXX , in  accurate written off $ amount/status, and an inaccurate " Date Opened ''. Transunion still reflects an inaccurate Charge Off amount, inaccurate Date Closed, and Terms. Regardless of the evidence I present, the account has been reporting now inaccurately for almost two years.
As a result of the above, this account continues to damage my credit score with inaccurate reporting by  XXXX  and Transunion and preventing me from securing a refinance on my mortgage.
I respectfully request that this account be DELETED immediately per the Fair Credit Act.
Thank for your assistance in this matter.
Consumer complaint received 2023-03-15
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. (OR)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, # XXXX XXXX, # XXXX XXXX # XXXX XXXX XXXX, 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 that a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-11-10
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. (CA)

THERE ARE 9 STUDENT ACCOUNTS THAT ARE IN FOREBARENCE AND SHOULD NOT BE SHOWING ON MY REPORT PURSUANT FCRA 623 IM DEMANDING THE REMOVAL OF THEM ALL. 

THERE ARE 6 CLOSED ACCOUNTS THAT IS SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE PURSUANT TO FCRA 623 I'M DEMANDING THE REMOVAL OF THEM ALL. 

THERE IS AN ALLEGED COLLECTION ACCOUNT SHOWIN ON MY REPORT TO WHICH I DO NOT RECOGNIZE. I'M DEMANDING THE REMOVAL OF IT PURSUANT TO FCRA 623
Consumer complaint received 2023-03-15
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: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizens bank card I have a late payment reported that was fraud not done by me I disputed this with the credit bureau and they came back from the company saying it was valid. 

I was never given the option to opt out according to 15 US Code 6802 B- Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2021-03-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TD BANK US HOLDING COMPANY (IA)

I made a charge on my target red card in XXXX for XXXX dollars. I mailed a payment in XXXX but it was not received by them. They didnt attempt to contact about the debt owed from the missed payment. The amount past due wasnt even enough for them to charge me a late fee. There is now a 30 day mark on my credit for the payment not being received on time. Once I saw the account was past due I paid the balance in full. I am asking that they remove the 30 day mark against my credit bc they did not make any attempts to contact me and just let it become more past due
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (AR)

On XX/XX/XXXX I received notification stating " Retail Card Over Limit ''. SYNCHRONY Bank had taken my credit limit to an amount ( {$900.00} ) lower than my current balance ( {$900.00} ). The company decided to decrease my line with no previous notification on doing so. This is wrong and unfair to customers given that all my payments have been done on time and my income has increased since I applied for this service. Also it is important to mention that they use tactics to lie to customers regarding their services. I was told that this was a loan rather than a credit card. This is not the first time they do a line decrease on my account, which is absurd given that my other credit companies increased my limit. Also I don't know how or if these companies are allowed to inquire about my credit.
Consumer complaint received 2022-10-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: M&T BANK CORPORATION (NY)

On XX/XX/XXXX, I attempted to initiate a bank to bank transfer of {$200000.00} from my XXXX XXXX savings account to my M & T checking account in preparation for closing on a home. The transfer was supposed to have completed on XX/XX/XXXX, however, on XX/XX/XXXX, the money was instead returned to my XXXX online savings account. I subsequently learned that M & T has a daily incoming transfer limit of {$2000.00} and a 30 day transfer limit of {$5000.00} in a call to them on XX/XX/XXXX. I contacted M & T again on XX/XX/XXXX in an attempt to request a raise of this limit to allow me to transfer {$63000.00} from my XXXX XXXX savings account to my M & T checking but was rejected.
Consumer complaint received 2022-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (CA)

Several accounts were opened in my name with Affirm. I have been dealing with fraudulent accounts under my name as a result of identity theft for the past 4 years. The list of fraudulent accounts that were opened in my name are as follows. 
XX/XX/13 XXXX {$510.00} XXXX {$160.00} XXXX {$260.00} XXXX {$1400.00} These accounts have been reported to all 3 credit bureaus and when i originally reported this as fraud, my claim was denied. I am asking that these accounts be removed from my credit report immediately as I did not authorize these to be in my name and they are a result of identity theft.
Consumer complaint received 2022-12-14
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. (CT)

Addresses added to my credit report that I do not reside at, incorrect balances reported. 

My social security card was stolen was I was XXXX so my information could be all over the world. 

I have full faith and credit due to XXXX  XXXX 

All debts are to be discharged by the government.

Real money is gold and silver. 


These companies are agencies and not bureaus which is false advertising. 

I do not consent to have my information shared with anyone. 

My social security card is a credit card and it has unlimited credit. 

I have full equity in the birth certificate and social security.
Consumer complaint received 2022-12-14
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. (NV)

In accordance with the Fair Credit Reporting act. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

My bank decided that they would close out my account when there was money pending to go into the account that I needed to pay my bills the bank claims that there was too many log in attempts and that I owed XXXX $ $ $ and change that I already paid in full.
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

I called Equifax few minutes ago to find out the status of my dispute. I was attended to by a representative that was asking me the same question over and over again. She later told me she can not verify me and ask me to mail in copy of my social security card. I asked her where she was located and she said the XXXX. I am the owner of the profile and also a registered name on myequifax. I do not have the time to mail social security card to them because l think it is unnecessary. My request for my credit report to be mailed to me was also denied.
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have an investigaton with CFPB involing XXXX XXXX XXXX on my equifax I have paid aall payments ontime except when I was hit by two natural Disasters Equifax says they need more time to investigate this I feel Equifax should change XXXX XXXX XXXX to Current never Late on my Equifax credit report
Consumer complaint received 2022-10-17
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)

Over the past several months I have made complaints to Experian and XXXXXXXX XXXX XXXXXXXX that I am not getting a credit report regarding my mortgage that I have had since XXXX. My credit history is showing up on XXXX and XXXX but not on Experian. Each entity is blaming the other one. 

Experian says that they are not getting data from XXXX. XXXX has responded to CFPB that they are providing the data and they provided proof. The letter is from XXXX XXXX and proof that they are reporting. 


I called to speak with XXXX on XX/XX/XXXX. He referred to his supervisor, XXXX XXXX who has escalated my complaint to get to a resolution. I called Experian and got a report and XXXX is NOT on it. I sent it to XXXX who has acknowledged that their trade line is not listed. He has promised to find out what is wrong. 

TODAY, XX/XX/XXXX, I learned for lead supervisor XXXX XXXX that he spoke with Experian Rep XXXX XXXX, in the Data Reporting Team Dispute # XXXX. XXXX according to XXXX, she sent him an email saying that Experian had purged my account from Experian 's data base which is a direct contradiction to Experian 's response dated XX/XX/XXXX. This does not make sense. I did not ask to have my file and purged and XXXX said they did not asked to haver their trade line purged from my account. 

I want a credit report from XXXXXXXX XXXX on my Experian File. I want them both to resolve the problem rather than going back and forth blaming each other. I am getting terrible and dishonest service. There needs to be a resolution. I WANT A CREDIT REPORT. I should not have to get an attorney or file a discrimination complaint with the Ohio Attorney General 's Office.
Consumer complaint received 2022-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (IN)

I called AidVantage to see about why my load was still getting paid for. I had set up automatic payments and they never stoped during the pandemic. When I called them the lady on the phone said that she had not heard of XXXX XXXX which was the reference line of the payment. She advised me make a complaint and to call my bank.
Consumer complaint received 2023-03-15
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. (NY)

XXXX XXXX XXXX I have a late payment reported that was fraud not done by me I disputed this with the credit bureau and they came back from the company saying it was valid. 

I was never given the option to opt out according to 15 US Code 6802 B- Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.