davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-15
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. (FL)

In Accordance with the fair credit reporting act XXXX account # XXXX, Account name 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 section 604 A Section 2 : it Also States a consumer Agency can not furnish a Account without my written instructions.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have disputed an account with the bureaus previously and it has not been resolved! There a 2 XXXX XXXX  late notations reporting on my file that are erroneous. I did a quick sell on my home and ended up moving immediatley and the new owners settled in very shortly after. My title company was supposed to be taking care of the transactions and since it was in XXXX, I assume it would take 30 days to process payment but XXXX only has 28 days in the month. What I wasn't aware of is that XXXX reports late notations on the XXXX of every month and will consider you 30 days late after that period. They knew my house was going up for sale and they would receive their payment in 30 days! They ended up putting late notations on for XXXX because the payment wasn't received by the XXXX and for XXXX?! They had already received the full payment and the account should have been closed. There was no payment due in XXXX so there is no possible way for me to have been late. I disputed this with them and they apologized for the confusion and gave me a XXXX card?!? I can afford my own XXXX, I need them to remove the erroneous lates.
Consumer complaint received 2021-05-27
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. (CA)

on XX/XX/2021, I got charged on my XXXX XXXX credit card with the amount of {$750.00} for the property appraisal with Citi bank loan. However, the appraiser did not show up to appraise the property due to her personal reason. I cancelled the loan with Citi bank on the night of XX/XX/XXXX. I contacted Citi bank in mid XXXX and they told me that they would follow up with me soon. However, I have not heard anything from them since then. 
I contacted my credit card XXXX  XXXX and asked to dispute because I did not receive the service that I asked for. However, the Citi bank only refunded for {$550.00} on XX/XX/2021. Citi bank did not fully refund my money, and did not give me any reason. I would like to submit this complaint to CFPB to follow up to know why I did not receive my full amount that they charged me. 
THank you!
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), clearly states that a failure to investigate these items for 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the inconvenience and XXXX you caused me. My information was also impacted by the Equifax Data Breach and may have got to the hands of the wrong person.
Consumer complaint received 2018-05-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (NJ)

My name is XXXX XXXX. I sent to XXXX {$450.00} to my brother, XXXX XXXX XXXX, via XXXX XXXX, on XX/XX/2018. I also sent him the transaction ( XXXX ) number through XXXX to pick up the money. He called me and told me the transaction number was not valid according to XXXX XXXX in XXXX. 
I called XXXX XXXX in XXXX more than three times to inquire about the transaction number, they told me the money was picked up by someone in XXXX. When I asked XXXX XXXX for proof, they declined I would to know what happened my transfer from XXXX XXXX. 

Thank you
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In Accordance with the fair credit reporting act XXXX account # XXXX, Account name 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 section 604 A Section 2 : it Also States a consumer Agency can not furnish a Account without my written instructions.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2020, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-06-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (TX)

I checked my credit report one day stating that I had a collections account of the amount of {$220.00} dollars. I sent the debt collector a debt validation letter via certified mailed on XX/XX/2021 XXXX which they received on XX/XX/XXXX ) to which they failed to validate by not responding to my dispute. The company decided not to respond to my debt validation letter as it is my right to know who am I dealing with. I am disputing directly against their failure to validate the alleged debt.
Consumer complaint received 2022-07-23
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: EQUIFAX, INC. (FL)

It has been a battle going through this and I am writing to delete the following fraudulent items in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged : XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX US SM BUS ADMIN ODA Inquiries XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX. showing on my credit report. I, therefore, request that you immediately remove this items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.
Consumer complaint received 2024-05-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (NC)

Nationstar d/b/a Mr. Cooper bought my mortgage XXXX Within the first month, citing a negative XXXXXXXX XXXX XXXX XXXXXXXX XXXX  ( - {$9.00} ), Based on a new escrow analysis performed by Nationstar ( the XXXX XXXX originated in XX/XX/XXXX ), I will have a negative balance of XXXXXXXX XXXX XXXX XXXX ( - {$9.00} ). As a result, Nationstar changed my mortgage payment to increase it by approximatley XXXX XXXX XXXX XXXX  ( {$200.00} ) per month citing the projected {$9.00} cent anticipated shortage. As of XX/XX/XXXX, it projects I will have a {$2400.00} dollar surplus in its " required minimum balance '' which no one can explain why the number is {$2400.00} when a typical escrow is no greater than {$600.00} dollars per month. 

While i understand they don't want an end of year shortage, the escrow advance of {$2400.00} calculated by approximately {$200.00} a month seems predatory and completely arbitrary since no taxes or insurance has changed. The only thing that has changed is the company who bought my mortgage. The company represented that it would not be investing the {$2400.00} surplus and this would be refunded at the end of the year. However, I don't wish to give them a {$200.00} dollar a month extra payment as an interest free loan as a single income household when I need that money to pay other bills. 

Please help.
Consumer complaint received 2018-05-09
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I have submitted two to three disputes to Experian regarding a bankruptcy and inquiries.

I submitted the bankruptcy disputes onXX/XX/XXXX andXX/XX/XXXXboth came back verified even though I had CLEAR documentation from the Courts stating they do NOT report to any credit agencies. I received a letter from Experian stating they will not dispute again because I did not submit relevant documentation which is FALSE. On both disputes I submitted the RELEVANT documentation they're asking.

Inquiries : I NEVER received any response to my inquiry disputes as well. I submitted them on XX/XX/XXXX - First Dispute XX/XX/XXXX - because they only updated one dispute and IGNORED the others.

XX/XX/XXXX - because I thought they may have slipped through the cracks with the online submission. All of this is a clear violation of the FCRA as it is a requirement to investigate or notify the consumer as to why they wouldn't investigate which this didn't happen either.
Consumer complaint received 2022-07-23
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. (NV)

TransUnion is in violation Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ). 

I am writing to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items are deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit. I would appreciate it if you deleted these items promptly as it is hindering me.
Consumer complaint received 2019-01-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Risecredit, LLC (AL)

My husband lost his job. He was told to go home from the Social Security worker he talked to and they filed for his XXXX. He was denied. He is currently on SS retirement but when his XXXX was denied, he was told to re-file. This has severely cut into our income and I am unable to currently make the payments to Rise that they demand. I have tried talking to several representatives but no one can seem to help me. I have done a couple of deferrals and of all things, they have added so much interest back to the loan at this point, I do not know how I will ever pay it off. I thought maybe I could do an early payoff using my tax refund, but I can not even get close to paying it off now because of the added interest. If this is an installment loan, and I pay it off before the maturity, I should be not have to pay the total interest on the loan. I am trying to figure this out but they are going to affect my credit and make it impossible to pay them. I am willing to pay them a reduced amount every month, but no one will even discuss this with me.
Consumer complaint received 2023-01-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (IL)

multiple phone calls, when I answer, they immediately hang up. No letters have been sent to me, only repeated calls but no one will speak. 

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

Hello I have applied my Amex XXXX personal Credit card with American Express on XX/XX/2022. And the Agreement says XXXX $ threshold limit for getting XXXX points. I have reached the threshold amount and paid back on XXXX, XX/XX/2022 itself. But i haven't received any welcome Bonus points yet. When i call American Express customer care they are giving different time frame to provide this XXXX points. But now i have waited for all the time frames and not yet received the points. when i ask them they are not answering properly when i'll get my points. I have attached my payments details from the first statements. 

Thanks XXXX
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NY)

I am writing to express my dissatisfaction with the service I received on XX/XX/2023, when I deposited four money orders totaling {$790.00} into my account at the ATM. The following day, XX/XX/2023, my account was locked without any prior notice or explanation. 

Before making the deposit, I had asked a customer service representative inside the bank to update my pin number. At no point during this interaction did I present any money orders to the representative. However, the representative began to ask me personal questions about my employment status, which I found strange and unnecessary. I informed the representative that I am a driver for XXXX XXXX, but declined to provide any further personal information. 

After updating my pin, I proceeded to make the deposit at the ATM. The next day, I discovered that my online banking and access to my account had been blocked. When I contacted customer service, I was informed that there was a hold on the deposits, which is understandable for money orders or checks. 

I visited the branch on XX/XX/2023, to inquire about the issue. The teller informed me that the bank was conducting an investigation on the money orders and requested the ATM receipt. As I did not have the receipt on hand, she took down my information and promised to update me later. 

On XX/XX/2023, I received a call from a lady named XXXX from the fraud/crime department. She demanded that I provide receipts for all the money orders, even those that had already cleared prior to these ATM deposits, and accused me of lying about my business. I explained that the money orders were from my consulting business, but she claimed that conducting business in a personal account was not allowed. 

Furthermore, she accused me of giving inconsistent information to the bank and threatened me when I tried to defend myself. I strongly believe that I am being unfairly profiled and accused of a crime by M & T Bank and its staff. 

I request that the bank conduct a fair and unbiased investigation into this matter and provide me with a prompt resolution. I also request that the bank provide me with the money order numbers for the mobile deposit money orders as soon as possible. In total I belive M & T bank is holding {$2300.00} which has caused me hardship. 

Thank you for your attention to this matter.
Consumer complaint received 2022-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

XXXX ) Misreporting property tax in XXXX form for XXXX LAKEVIEW LOAN SERVICING misreported my property tax on XXXX form for XXXX. My property tax should be {$11000.00}. but they only reported {$910.00} as property tax and mis-categorize the remaining {$10000.00} as additional assessment. I called their customer service in XX/XX/XXXX to request them to correct this error for me. They acknowledged this error and promised to correct it within XXXX business days but no update has been made after XXXX month. 

XXXX ) Overcharge escrow account. 
Due to their accounting error, they doubled my property tax in their calculation without verifying with local tax office and made the wrong escrow analyses which leads to a significant increase in my monthly payment ( from {$3000.00} to {$4500.00}, which is 50 % increase ). The reason I found out is there is a {$5100.00} tax bill in XXXX and a {$5100.00} tax bill in XXXX but they double counted these XXXX tax bills which inflated my tax bill by XXXX. I called the customer service and they acknowledged the error and promised to resolve this issue within XXXX business days. But I have lost trust in their service after my first request and am concerned that there will be no action taken. And to my surprise, the analyses has been done in XX/XX/XXXX but I received their analyses in mail in XX/XX/XXXX which is a significant delay to explain the changes in my monthly payment.
Consumer complaint received 2018-05-09
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

My daughter is a XXXX XXXX XXXX XXXX and has a XXXX XXXX Student Loan. I was under the impression that while she remained a XXXX XXXX XXXX  the loan would gain interest but did not have to be paid back until after she XXXX. I was also under the impression that any and all payments made while she was still a XXXX XXXX XXXX were optional.

I made several interest only payments but did not do so in XX/XX/2017 which resulted in a negative report on my credit report ( 60 days late ).

I disputed this with experian and was denied. I contacted XXXX XXXX  and was told that interest only payments were still required during the time my daughter was still a XXXX XXXX XXXX
Consumer complaint received 2024-05-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Halsted Financial Services, LLC. (MO)

On XX/XX/XXXX I received a forwarded email from a relative. The email was sent to my aunts personal email address. The contents of the email were specifically addressed to me and was an attempt to collect a debt from XXXX XXXXXXXX XXXX  The debt collector was Halsted Financial Services working on behalf of XXXX XXXX XXXX and included information about the alleged last time I paid a payment on the closed account ( {$30.00} on XX/XX/XXXX ). The email also included my name, last 4 digits of my account number and the total balance that was past due {$630.00}. The email also stated that my account was in pre legal status and would be potentially referred to a law firm in my state. 
I have never used the relative that this email was originally sent to on any type of credit application as a co-applicant or reference. I have also never given any credit card company or debt collector permission to contact any third parties or relatives regarding any alleged debt owed as it violates the rights listed in the FDCPA. I plan to seek legal action but wanted to start here first.
Consumer complaint received 2023-03-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NV)

My daughter who now oversees and manages my finances made me aware that the loan for my home has been the sane for the last 17 years or so. Looks like I was not properly informed of the product chosen. I have been in an adjustable interest only loan. Washington Mutual was my original mortgage broker. I requested a refinance and was conned into this interest only loan. It has been a very long time so I do have a specific memory of what happened. This type of loan should be against the law. I believe at the time there was a market crash and I was looking to refinance. My daughter feels I was taken advantage off. She feels this is senior abuse. When I tried speaking with the bank, they said there was nothing they can do. I am retired on a fixed income and do not wish to continue throwing my retirement away. This loan serves me no purpose. I am looking to have the monies paid out applied to a traditional mortgage. I have paid my mortgage off just about and have nothing to show for it. The banks are not being very fair these days and are taking advantage of people at their weakest times. I am XXXX XXXX XXXX and have enough sense to know this is wrong. The bank wasn't willing to assist me at all with this issue. The employees at Chase were just as shocked as I am. According to the contract, this was only supposed to be for 5 years to start. It was supposed to be looked into. It's been 17 years of me just giving my retirement away. I don't even have a home to leave to my survivors. It's really a shame and a bad deal. My payments have doubled in the last few years. I'm looking for a solution.