davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I received my escrow analysis on XX/XX/2018 and it is incorrect by a lot. {$450.00} to be exact due on XX/XX/2018, or ( of coarse ) my mortgage would be affected by the shortage for the next year. On XX/XX/XXXX I called my bank to claim there was something wrong with my analysis since the shortage was so large ( I expected maybe {$10.00} to {$20.00} difference ). At which time I would of paid the difference to keep my mortgage within the same price range as I am on a FIXED income. Knowing my last bank statement had my escrow account balance at {$380.00}. The mortgage personal on the line quickly realized the mistake of my analysis starting my escrow balance at {$3.00} and said I'm going to put in a request for the escrow department to do another analysis. I inquired will I get the new analysis before the XX/XX/2018 escrow shortage due date, she checked and said " Yes, you should have it in the mail by the XXXX. It didn't come the XXXX or the XXXX of XXXX, so I called my local branch to get some help from someone there. Was told " I can't do anything with an escrow dispute, unless it's in writing. '' I asked if I could speak to a Mortgage personal, she said she was one and I would have to call the XXXX number for the branch. So I called them on the XXXX only to find out the escrow department declined my request as ( and I quote ) " we only have to do one analysis a year. '' Called my bank again today the XXXX as they also included in my actual column on my analysis two house insurance payments within two months of each other, even though its in bold writing, Which is another {$480.00} clerical error on my analysis. Between the two XXXX ups done by XXXX escrow department it totals {$860.00}. They wouldn't help with the last XXXX up and I don't trust them to decline this request. So, I apologize if I'm jumping the XXXX with this complaint, but they didn't do another analysis on the XXXX as I had been told would be done. I didn't realize the escrow department had the right to decline an analysis request, especially with any clerical error. I also called my house insurance company to check and see if they didn't get paid twice to create a shortage, they haven't. Just currently stuck in a situation where I don't trust my bank with my money at all anymore. I also want any extra monies applied to my escrow to date applied to my mortgage principle printed on a bank statement. As a small change was made to my mortgage payment before the so called escrow analysis was done. The payment was made on the XXXX of XXXX and the increase was put into my escrow account. I currently haven't received my mortgage statement yet as they are printed on the XXXX of each month and received by now.
Consumer complaint received 2022-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I sent a letter to credit bureau that I illegally owe XXXX XXXX XXXX Acct # XXXX. I disputed the accuracy of this account and told them that it is incorrectly reporting. Furthermore, asking them to provide proof by verification that this collection agency account belongs to me. All rights under FCRA 611 ( a ) ( 7 ) and FCRA 623 are invoked, thus demand for a complete description of methods used to investigate the dispute is required. The e-Oscar 2 digit code read out will not be acceptable. Unfortunately, credit bureaus often use software that does not complete thorough investigations and does not qualify as verification according to law. As requested a complete list of all documents and correspondence with the original creditor, including, but not limited to : 1. All names and contact information of employees spoken to as part of this investigation ; and 2. Hard evidence that goes all the way back to the original creditor ; and 3. Information regarding the entire lifecycle of the loan ; and 4. Who originally wrote the loan ; and 5. The date of the loan ; and 6. Original contact information ; and 7. All letters and documents sent.

If unable to perform an investigation or locate the necessary documents they are required by the FCRA to remove the info from the reports including complete removal of the account.
Consumer complaint received 2017-11-14
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. (FL)

This claim is towards Experian ; XXXX. XXXX XXXX, XXXX, TX XXXX. I have tried multiple times contacting Experian that the account XXXX XXXX XXXX is due to be deleted from my account XXXX XXXX, They " Blocked '' me from disputing this account online saying that they were n't going to review it again when " CLEARLY '' they are in the WRONG!! They should not block customers from disputing items especially when they do n't " SHOW '' any " PROOF '' of their findings. They are so " QUICK '' to say that the account is " VERIFIED '' but they refuse to show you how the account was verified. That action in itself is " POOR '' business. According to a credit  report that I have from them it says the account is due to come off XXXX XXXX. The other two credit bureaus XXXX XXXX XXXX XXXX XXXX have already deleted the account but Experian refuses to.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

The list of information was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX EMPLOYER : NOT APPLICABLE Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any ITEMS which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$59.00} ; XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$1300.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$100.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2018-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (TX)

I filed a complaint recently that was closed after receiving feedback from Compass. The statement related to when the AG 's office made my past deposits available is false. I've attached both the dates cited by Compass and the dates published in my account on the Texas AG 's support portal. You can see a standard 2 business day delay. I've also attached the email response I received from the AG 's office stating that they make the funds available on the day  deposited. To clarify the timing cited by Compass as  starting in XX/XX/2018, I had 2 checking accounts with them for a few years to separate business income. I recently closed one of  those accounts ( ending in XXXX ) and moved the direct deposit to my current account ( ending in XXXX ). 

For easy reference, my original complaint : My child support payments are issued by the Texas Attorney General via direct deposit twice monthly. I have confirmed with them that the funds are released immediately. There is a standard 2 business day hold on the funds being released by BBVA Compass. The AG 's office posts deposit dates in my account on their website ... if the deposits are made on a Thursday, I don't receive the funds until the following Monday. If the deposit is made on a Tuesday, I receive the funds on Thursday. I have raised this issue with them several times, both via email and on the phone. I've had customer service representatives confirm that they can see the funds pending and they will be available tomorrow. I have also had them tell me that they do not see the funds pending, although the AG 's office shows they were deposited. I have tracked this 2 business day hold for almost 2 years now, as it has caused me significant expense in overdraft fees with Compass. I have read the FDIC rules related to ACH and direct deposits, and I believe Compass is not following them.
Consumer complaint received 2018-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Preferred Collection and Management, Inc. (FL)

In my review of my credit report on XX/XX/2018 XXXX XXXX XXXX XXXX XXXX is reporting a collection debt account number XXXX to the credit reporting agency. 
I have no knowledge of this collection debt and this negative account has affected my ability to obtain credit. It is a violation of FCRA to report any collection debt to credit reporting agency in attempts to collect a debt without notifying the consumer.
Consumer complaint received 2018-11-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (AZ)

On XX/XX/XXXX, I got a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. I paid dealer {$1500.00} and trade in {$100.00} for my XXXX XXXX XXXX. I contacted dealer twice and asked them why they overcharged me approxiamately {$1300.00} over the XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX Typical Listing Price Breakdown sheet from the dealer. XXXX Typical Listing Price Value is {$6600.00}. 
Dealer charged me {$7900.00}. This is dealer fraud. I want my money back. Dealer stole my down payment of {$1500.00}. The dealer overcharged me for this used car.
Consumer complaint received 2018-11-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

daily harassment from XXXX XXXX on monthly payments that are not even due yet - literally 10 calls a day asking about my payment when I have a grace period of the XXXX of every month. 

due date is the XXXX of the month - 15 day grace period puts the payment off until the XXXX of every month. Yet they call me 10 times a day and I have to explain this to the reps even though they have the information right in front of their screen and they confirm it every time - " ... yes sir, correct sir, you have until the XXXX to make the payment sir. '' I have lost my patience -- -- - this is 100 % HARRASSMENT!!! 

don't do business with HSBC ... ... its their policy to harass you ... ..even when you are making timely payments ... ... .ridiculous!!
Consumer complaint received 2017-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have XXXX paying my credit cards and payemnts have been made ontime for the last year yet I have laste paymnets showing on several credit cards from XXXX thru XXXX. I have yet again been denied for a home loan because of this and am extremly frustrated.
Consumer complaint received 2022-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX  : {$61.00} XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX : {$480.00} XXXX. XXXX Account Number : XXXX XXXX : {$510.00} XXXX. XXXX XXXX Account Number : XXXX XXXX  : {$1800.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Consumer complaint received 2018-11-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (MD)

The company is not registered in the state of Maryland and Maryland doesnt offer payday loans. They have sent my account to a debt collector asking for me to pay this high interest rate back, which the state of Maryland interest rate should only be 24 %, not 700 % interest rate. They should not be allowed to offer any loans in the state of XXXX.
Consumer complaint received 2023-04-06
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. (OR)

I was at an establishment XXXX XXXX on XX/XX/2022 and the merchant attempted to charge several CC for various amounts. They attempted anywhere from XXXX to as low as XXXX dollars. My Costco CTI Credit cards was charged amounts of XXXX and XXXX. I disputed these charges immediately and it looked as if CTI had not paid the vendor. After several mistakes from CTI stating they didn't receive my emails which later I called in and had proved they have sided with the vendor with no explanation. I received a letter on XX/XX/XXXX stating that they have closed the dispute as the vendor refuses to pay the amount back. This is a defiant fraud case and now I owe over XXXX in CC bills. When attempting to contact the CC company they state the issue is resolved and there is nothing further they can do. I have stated I would go to court and testify if needed or whatever they need from me but the CC company seems to want me to owe the XXXX. I have also filed a a case with the FTC XXXX. I will also be filing a police report.
Consumer complaint received 2022-07-12
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. (GA)

In accordance with the Fair Credit Reporting act, these following accounts have violated my rights : XXXX XXXX XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) XXXX XXXX XXXX XXXX  ( # XXXX ) XXXX XXXX XXXX XXXX ) XXXX ( # XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ( # 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 a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-12
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. (FL)

XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX In 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 an account without my written instructions.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2023-04-06
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: Bread Financial Holdings, Inc. (TX)

Someone opened an account at comenity Bank in my name which I learned from XXXX  and I reported it at both. Now I'm getting calls from collections. Both investigated and still its mine apparently but was opened in new York and I live in Texas.
Consumer complaint received 2022-07-12
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

on XX/XX/24 i went to target to buy an Amex prepaid giftcard since then i have been trying to use the card but each time it is declined and a XXXX cent fee is taken out
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (TX)

In XX/XX/2022 I was going to put money on my card and relized it had expired in XX/XX/2022 I never received new card before expiring Been american express at XXXX XXXX XXXX to get the card i never received, and all the wont is {$20.00} to expited the card in mail, I should not have to wait 7-10 days to get card or pay this fee, they are at fault, I have call numerous times to get this card, and they do not want to send it This is the first time I have had this kind of problem with getting my card I can use I have late fees on my bills because of this, insufficient charge cause card is expired When I try to speak to a higher supervisor I get put on hold for over an hour, and noone comes back to phone line These people are rude and dont care when you try to get card that was never received all they want is that {$20.00} The only contact info about contacting them is in my call history on my phone
Consumer complaint received 2022-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX : {$61.00} XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  : {$480.00} XXXX. XXXX XXXX Account Number : XXXX XXXX : {$1800.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Consumer complaint received 2019-06-11
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: Experian Information Solutions Inc. (GA)

I have applied for a car loan and they are unable to obtain my credit reports due to the fraud alert that I have placed on my file. Also, I will need to add my contact telephone number to my credit file My contact telephone number is XXXX