davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-18
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. (TN)

I submitted a complaint with the CFPB on XX/XX/2023 and Equifax came back with a letter stating that the information submitted and what they have on file do not match. even though I sent in a Dl and light bill. This is a delayed tactic for them to delay the process. I will submit again here as to what I submitted to them. Here are the laws the company has violated.

15 USC 1681i ( a ) ( 4 ) Under the FCRA15 U.S Code 1681 ( a ) ( 4 ) I am a federally protected consumer and I have the right to privacy. Ignoring this law is in direct VIOLATION of MY PRIVACY of 15 USC 1681 and all its subsections.

15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 days beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 USC 1681i ( 6 ) ( B ) ( iii ) A notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, 15 USC 1681b ( a ) ( 2 ) clearly states that Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2019-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I used my debit card at a gas station. The first attempt no money was disbursed. The second I received my money. When I checked on my phone while still at the location I noticed two withdrawals. The owner said that often happened and if my money wasnt shown correct in the morning he would reimburse me. That was the XXXX of XXXX. 

In the morning both charges were still on. So I decided to call my bank, since I was sure they would reimburse me, and if not the owner had said he would. 

The bank took forever. So I cancelled my claim on the XXXX, only to reopen it on the XXXX as the owner was now refusing to pay. 

Last night, I texted the owner, once again he failed to respond, after I learned my bank didnt reopen my claim as I asked on the XXXX. I then called the police. 

Today I have attempted to contact the bank once again but they are not being helpful. I am due {$32.00}.
Consumer complaint received 2019-09-23
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. (NY)

im very upset these people keepsaying I owe them a XXXX and a XXXX XXXX XXXX. I had neither on eplease remove this information from my report. Im really stressed out over these. I dont understand why. I have a languauge barrier I speak french but my writing is better than my speaking. The car and credit card telss me well its your credit bureau who reports. I need help deleting this I feel bcause I speak another language im being discriminated. Can this happen here? Pleasehelp its not mines
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2019 I applied for Amex platinum and got approved the application was done through the phone. Before we started the application i asked the customer service representative if doing it through the phone would affect the bonus points offer he said no that I would get those points regardless so I said okay proceed then. When I called on XX/XX/2019 and asked her details on my account come to find out the code for the bonus points is not there therefore they cant do anything, luckly I spoke to a nice lady I dont remember her name but she got me in touch with her superiors and final result they said the bonus points would be honored I was soo happy the representative said her superior would be monitoring my account and as soon as I spend those XXXX dollars within the 3 months I would be getting those points. Today XX/XX/2019 I call excited because I made the XXXX dollar purchase ( non refundable ) they tell me that they reviewed my account on XX/XX/2019 and they said Amex error this is the worst day of my life I want to cry I payed XXXX fee for a charge card that i dont never need I just wanted those bonus points I really hope amex honors what they advertised Im still hoping this is an Aprils fools kind of thing please somebody help me. These major companies are quick to XXXX us over but where are customers rights!! Amex take responsibility
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

On XX/XX/2019 I notified Experian about some in accurate information on my credit report. There is one account that is not mine and 9 inquiries that is not mine and did not give permission to the creditors to access my report. 
I filed an electronic dispute with my picture ID attached. They were unable to or unwilling to correct my credit report with the proof I provided which is a picture I with a signature. That could be used to confirm my identity with creditors. Im requesting these items be removed per federal law.
Consumer complaint received 2019-09-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: U.S. BANCORP (GA)

I contacted Elan Financial Services. I made arrangements with XXXX to pay debt off {$99.00} per month on hardship and reduced interest rate. I have made the payments as directed and on time. Today at work on my work phone I got a phone call from Elan about the same debt I made arrangements to pay. For questions the company had been contacting at my cell phone. Why out of the blue after the debt is up to date am I being called at work.
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF ED/XXXX XXXX DPT EDXXXX 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-09-23
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: CITIBANK, N.A. (TN)

On XXXX XXXX XXXX  submitted to Citicard a bill for advertising. I had not signed the contract they sent me. I disputed the charge. Citicard investigated it. I sent them a lengthy explanation of the facts that : XXXX XXXX had sent me two contracts to sign. Neither of which I signed. 
If a company offers a contract for you to sign and you do not sign it, how could Citicard then assume that a legitimate business agreement was effective and in place? I communicated with XXXX at least twice by email and twice verbally that I did not want their product. 
I furnished to Citicard the email record as well as summaries of conversations I had with the representatives at the company. 
Citicard asked me to explain what I had received versus what I expected. I told them I never received anything. To my knowledge there has been no ad run on my behalf. I asked repeatedly for proof that the persons ad which I was taking over was in fact exclusive and was the sole life insurance ad in the respective issues in which that persons ads appeared. I never received those. 
In spite of all this, Citicard ruled in favor of the claimant and honored the charge. 
They then threatened to list my payment as late as follows : ..we may report your account as past due to the consumer reporting agencies listed below if we do not receive the minimum payment by the due date shown on your billing statement.
Consumer complaint received 2023-03-18
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. (TX)

Since the beginning of XX/XX/2022 I have tried to dispute the validity of the accounts on my credit report. I never gave this company written consent to disclose my information and also under know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me with a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.
Consumer complaint received 2019-09-23
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: Experian Information Solutions Inc. (MD)

Greetings Consumer Financial Protection Team, Since XX/XX/XXXX to date XX/XX/XXXX, I've been aggressively trying to have old and outdated information on my ( 3 ) Credit Reports ; Experian, XXXX and XXXX removed. Specifically, accounts that are 7 to 10 Years old or more are still appearing on my ( 3 ) reports. I have filed several disputes ( see supporting documentation ) ; opened Credit Monitoring Accounts ( see supporting documentation ), All unsuccessfully. I was advised by the Federal Trade Commission to contact your agency for assistance in resolving this ongoing issue. Your assistance in regarding this issue is greatly appreciated. My contact information is : cell : XXXX ; email : XXXX. 

Healthy Regards, XXXX XXXX, XXXX
Consumer complaint received 2019-09-23
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: EQUIFAX, INC. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2019-09-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I've tried to establish a bank account with Chase Bank for myself and my XXXX and they allowed my to place funds in. then a couple weeks later they closed it without notice. Im well aware of the fact that a bank can close an account without notice but to be told that im red flag as a potential fraud person and that is not true. Ive never done anything wrong to chase the last time i had chase i was living in Texas and my ex was using my Card to pay here car payment. i filed a claim to receive my funds and they close the account stating i should pay close attention to my account. I've also been told that i will never be able to open another account. If didn't leave then last with a negative account why and they red flagging me and labeling me as potential fraud person. When we sign our agreement with the bank there was nothing that states how many claims we can do, and every claim with the excepting of XXXX or XXXX that forgot i did where excepted. going by there contract it does say they have to right to close our account at there discretion but As i said when we sign a contract with this bank there was no limitation on the claims we could do and we shouldn't be judge by that. I'm at an age where im trying to get my life together and there doing more harm than helping
Consumer complaint received 2019-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I received a letter from Capital One stating that they are closing my account due to inactivity. I feel this is wrong. It will negatively effect my credit report in XXXX ways. It will lower my credit utilization score and it will eliminate my good credit history. I dont think its right that they can hurt my credit score when Ive done nothing wrong. The credit card company is punishing me for not being in their debt. These guidelines need to be reviewed and changed so that people arent punished for a lack of debt.
Consumer complaint received 2019-09-23
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. (RI)

Equifax is the only credit bureau reporting a 60 day late for my XXXX XXXX XXXX   account number XXXX. They are reporting a late XX/XX/2019 and XX/XX/2019. The mortgage was paid in full in XX/XX/2019. XXXX and XXXX are not reporting this. Also, XXXX is not reporting this. I created a dispute which has a confirmation number of XXXX and the 60 day late still has not been removed.
Consumer complaint received 2019-09-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (GA)

Loan Servicer : Selene Finance LP Selene Finance Agents Spoken to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Problem : Unable to reach a resolution regarding my mortgage that doesn't entail foreclosure In XXXX of 2016, I went on medical leave. By XXXX of 2016, I found myself unemployed while I was still on medical leave. Up until 21 months ago, I was able to keep up with my mortgage payments until all of my savings, checking and XXXX were depleted due to medical expenses. 

I signed a modification agreement in XXXXXXXX of this year. The terms of the reinstatement of the mortgage was contingent upon the settlement I was due to receive. I advised the Selene Finance agent ( XXXX XXXX ) at the time that the settlement would be confidential and I could not guarantee that I would be able to cover the balloon payment. 

The settlement was not enough to cover the balloon payment and I advised XXXX XXXX of this information. He has asked me several times to send the paperwork regarding my settlement to Selene Finance disregarding the number of times I have told him that the settlement agreement was confidential and I can not advise anyone of its terms. 

When I asked Selene Finance who owns my mortgage loan, they would not give me that information. I had to go to the county courthouse to find out. Unfortunately, the owner, XXXX XXXX XXXX XXXX XXXX XXXX XXXX entrusts all of  the mortgage decisions to the loan servicer. In my case, Selene Finance LP. So, I am back at square one dealing with some of the most unhelpful individuals. 

Despite numerous futile attempts to have a mortgage resolution with Selene Finance LP, they remain unhelpful and uncooperative. They have advised me that the investor does not want my home but, they ( Selene Finance ) do not want to work with me to help me stay in my home. 

I have asked if the outstanding balance be tacked on to the end of the loan and the terms of the mortgage lengthened. Their answer - no. I have asked if there is any amount that I could pay besides the outstanding balance to remain in my home. Their answer - no. In my opinion, they do not want to help me at all. 

I am trying to get back on my feet after being sick for the past 3 years and suffering a severe financial loss. All of my efforts to work with the Selene Finance LP agents listed have fallen on deaf ears.
Consumer complaint received 2019-09-23
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NE)

It has been brought to my attention that there are multiple XXXX days late payments being reported on my credit report for my account with your company. The month of XX/XX/XXXX, XX/XX/XXXX, and XXXX XX/XX/XXXX are reporting as late. I am not sure why these months are showing as late, however ; paying my account on time is very important to me as I am working very hard to improve my credit.
Consumer complaint received 2019-09-23
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe (PA)

Conserve XXXX XXXX XXXX XXXX XXXX, NY XXXX After setting up a payment arrangement Conserve has been harassing over the phone. They have not provided an accurate assessment of the loan or provided accurate documentation. They did not respond to the loan discharge request in writing. They responded with an unsigned promissory note. They threatened to put me back in garnishment, for refuting the increase in the loan borrowed amount. They did not provide any information in regards to the amount owed.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MA)

Company : XXXX XXXX XXXX XXXX : amount of XXXX XXXX XXXX  : amount to of : XXXX XXXX  XXXX XXXXXXXX XXXX : Amount of XXXX I never had a contract with this debt collector for any debt. Account have been disputed numerous of time and have not been removed. 

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2019-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (GA)

Flagstar calculated my annual escrow statement as though it would pay my municipal property taxes out of escrow in XX/XX/2019. However, my municipality has not had an XXXX due date for taxes in at least the past 10 years ( as far back as easily-accessible public records go ). The municipal property taxes are due in XX/XX/2019. The difference between using XX/XX/2019 and XX/XX/2019 as the disbursement date results in a {$1700.00} difference in escrow " shortage. '' This calculation still accounts for the XXXX month " cushion '' Flagstar is allowed under RESPA. 

In prior calls to the XXXX number, XXXX of Flagstar insists that the municipality is " a late release date city ; '' therefore, Flagstar will continue to operate as though the taxes are paid in XXXX. However, Flagstar 's practice is a violation of RESPA because it is effectively increasing its " cushion '' beyond the lawful rate. In fact, any argument by Flagstar that it should be allowed to calculate the annual escrow analysis using an XXXX payment date is nullified by the fact that it already has a two-month " cushion. ''
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NE)

It has been brought to my attention that there are multiple XXXX   days+ late payments being reported on my credit report for my account with your company. The month of XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX are reporting as late. I am not sure why these months are showing as late, however ; paying my account on time is very important to me as I am working very hard to improve my credit.
Consumer complaint received 2022-02-09
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: Consolidated Information Services Solutions, LLC (CA)

Universal Credit Services ... XXXX XXXX XXXX XXXX continues the systemic Institutional XXXX oppression, and XXXX inequality treatment of my personal credit profile ordering a hard credit inquiry WITHOUT my signed authorization. Either provide a signed by me ( XXXX XXXX ) application, document with my signature authorizing such, or IMMEDIATELY remove the erroneous inaccurate inquiry from my credit reports!!!