davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Today I was called by the fraud department at fifth third by a woman named XXXX. She said that if I didnt show that I had a small business within 15 days, theyd close my account in 35 days. I told her that I got the deposit to the same account I got my taxes and that my small business was not a banking concern. We ended the call and then, when I went to look at my account I saw that my balance was - $ XXXX dollars. I called the same number that called me and I was told there was a freeze on my account that XXXX NEVER told me about. I went to the branch and I had to wait for a banker and two women lectured me about the sba grants and how I would be in trouble. Neither of these women know me personally or have access to my tax records. This is not the first time Ive had an issue so I decided to leave this bank. I had an incident at XXXX time where my grandpa wrote me a check and I tried to deposit it at an atm. I was sent a letter an email stating that their vendor said the check could not be deposited. I had to wait almost 2 weeks and I was told by numerous people that was a normal wait time for a check deposit at an atm. Im so over fifth third, they are terrible.
Consumer complaint received 2019-01-15
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: EQUIFAX, INC. (TX)

Equifax is reporting an item from XXXX XXXX with a close date of XX/XX/1995. This is more than 7 years ago and needs to be removed.
Consumer complaint received 2022-08-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I made an complate in XXXX about my mortgage with Fifth Third Bank. Fifth Third Bank refused to resolve this this issue. XXXX XXXX has sent four applications and count less letters trying to get this resolved. I feel as though I am receiving retaliation for making a report To CFPB. For the record I am trying to resolve this so I can pay my mortgage. I feel that XXXX XXXX is purposely prolonging this process. Today when I got home I found yet another application in my mailbox. My income has not changed nor my other information. For the record I tried to answer you guys but I was unable to give my reply. Please help!! I feel like Fifth Third Bank is doing something illegal or because I am A XXXX American women. I look forward to your help. PS. I investigated Fifth Third Bank and they have had a lot of cases against them. Thanks, XXXX XXXX.
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to my recent credit report request from Transunion, XXXX, and XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND CREDITOR HAS NO CONTRACT OR AGREEMENT TO HAVE MY PERSONAL INFORMATION PLEASE REMOVE IT XXXX XXXX XXXX Account # XXXX THIS ACCOUNT SAYS I AM 30 DAYS LATE BUT I HAVE NEVER BEEN 30 DAYS LATE PLEASE REMOVE LATE PAYMENT MARK ON XX/XX/2018 2018
Consumer complaint received 2018-12-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( {$960.00} ) This ACH was not authorized. I do not have a XXXX   XXXX account. I do not do business with this company. 

XX/XX/XXXX I reported this ACH as unauthorized in writing and within 60 days of the first statement the charge was credited on. 

I contacted USAA to see when I would recieve my funds back and was told I was not allowed a credit. 

More than 10 days has passed and I have not had a credit or anything. 

It appears to me USAA is not following the law.
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have tried for the last 6 months to have Transunion update my credit report to include my XXXX Chapter XXXX Bankruptcy without success. They are absolutely no help. They keep telling me that they get the information from a vendor ( they will not provide the name of the vendor ) and that the file is accurate. I have contacted the court where my bankruptcy was filed an XXXX and they told me they don't work with the credit reporting agencies. So, no one will help me. My Transunion credit report just shows bad debt and a statement from me that they were included in Chapter XXXX Bankruptcy. However, when I apply for credit I am turned down because it appears that I'm in an open bankruptcy because the bankruptcy and XXXX are not on my report as a public record.
Consumer complaint received 2018-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been going back and forth with XX/XX/XXXXXXXX XX/XX/XXXX in regards to a vehicle that has been XX/XX/XXXX out and a title never arrived. This company is still reporting a negative $ XXXX balance on my report after telling me that my balance is {$0.00} and the title is in the mail.
Consumer complaint received 2018-12-26
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. (TX)

I have been going back and forth with XXXX  XXXX XXXX XXXX in regards to a vehicle that has been XXXX out and a title never arrived. This company is still reporting a negative $ XXXX balance on my report after telling me that my balance is {$0.00} and the title is in the mail.
Consumer complaint received 2020-11-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On or about XX/XX/XXXX I requested a copy of my credit reports from all three credit bureaus by mail. I included my ID, social security card and a recent bill/statement. I did not receive a copy of my credit reports, so I requested them again around XX/XX/XXXX. I ended up pulling a report online from a credit monitoring service and I found some inaccurate information regarding late payments. I sent a dispute in to the credit bureaus via certified mail this time and each bureau received my dispute by XX/XX/XXXX. As of today I have only received one credit report from XXXX dated XX/XX/XXXX ( just my credit report not a response to my dispute ) and I received a notice from TransUnion saying they did not want to send me my credit report ( they did not mention anything about my dispute ) and a notice from XXXX  saying they could not find my credit file. I have not had any changes made to my credit reports and I have not received a response back from any of the credit bureaus regarding the inaccurate payment history. At this point I feel like the credit bureaus are not doing their job and I am not sure why I can not receive a response about a simple dispute. It has been well over 60 days and I am pretty sure the credit bureaus are supposed to respond by law within 30 days.
Consumer complaint received 2018-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I have a pending " item / credit hold '' on my CitiCard for US {$230.00} relating to a hotel stay posted on XX/XX/XXXX. The " charge '' was processed for XXXX euros at check-in on XX/XX/XXXX to cover hotel incidentals. The room was prepaid and when I checked out on XX/XX/XXXX no money was owed and the hotel staff told me my credit card issuer should let the credit hold " lapse '' in a few days as no money was owed. Based upon my experience with similar situations and other banks the aforementioned was reasonable and I fully expected the item would " drop-off '' with-in three to five business days as no charges would be processed. 

It has been almost two week and the item remains, I contacted Citibank on XX/XX/XXXX and was told the company 's policy was to hold pending items / charges open for 30 days. That seemed excessive and I mentioned that to the customer service representative and I was told that was their policy, but would " elevate '' my concern. 

I can appreciate the bank 's credit policy and the item in question is relatively small in the scheme of things. But it is the principle - restricting credit availability with credit holds for pending items for 30 days is excessive and arbitrary, especially when the onus should be on the vendor to process charges.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2019-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Wilber and Associates, P.C. (CA)

I received two notices in the U.S. mail from Wilber & Associates, P.C., XXXX XXXX   XXXX, XXXX, IL XXXX. This company states they represent XXXX XXXX company, and are contacting me to pay XXXX XXXX {$1200.00}. They refer to File # : XXXX ; Online Access Key : XXXX ; " Our Client : '' XXXX XXXX ; Client Claim Number:XXXX ; Claim Location : XXXX , CA . 
I immediately called XXXX XXXX. After speaking with XXXX XXXX at XXXX, and three other XXXX employees, who all agreed there was no such claim number and no relationship between XXXX XXXX and Wilber, etc., I spoke with XXXX XXXX from the Subrogation department. 
All of these people told me that XXXX XXXX had never hired a company called Wilber or Wilber & Associates to represent them. They did pay out a claim to their client, XXXX XXXX, but were not trying to collect these funds from either myself, or XXXX XXXX XXXX XXXX, who also received a collection notice. In other words, this collection notice is an attempt to collect on a debt already paid by XXXX XXXX, and XXXX XXXX has no knowledge that Wilber and Associates is using their name in an attempt to collect more money than is due. Thus Wilber & Associates is fraudulently representing that they are employed by XXXX XXXX to collect a debt from me that has already been paid, and the account closed out. No money is owed, as it has already been paid. 

Notice how it seems legitimate by saying I can make the check payable to XXXX XXXX, but the fine print on the bottom allows Wilber to collect the money, and then destroy evidence that you made the payment to XXXX XXXX. This should be illegal and punishable ; I'm sure some loophole allows it, and hope people are not duped by this.
Consumer complaint received 2018-12-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (OR)

Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2021-07-16
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. (FL)

I was affected by the equifax data breach. My Identity had been stolen and I am currently in the process of sending letters affidavits police reports and the like to repair my credit. My equifax report is non existant. No company, XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX, etc can report or find my equifax report. I did research and dug in trying to verify and find my consumer report and after failure after failure with equifax I discovered it still exists but 7 years or more has been erased and my name is my XXXX name and my address is from years ago. My consumer report is not connected to my legal name and address and date of birth or ssn. I have tried and tried to fix this with equifax have send verification documents and the like but I have received multiple different responses such as I don't exist and that there is nothing wrong with my consumer file basically saying that everyone in world is wrong and they are right.
Consumer complaint received 2022-03-16
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. (NY)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I was recently trying to refinance my mortgage and the lender notified me that I had two instances of 30+ day late payments from XXXX XXXX XXXX I called XXXX XXXX, submitted details to their escalation team and have still not heard back from them. I believe that these late payment ( s ) should be removed due to several reasons : * I was unaware of my Servicing being transferred to XXXX XXXX ( from XXXX ) in XX/XX/2021. 

* I was set up with auto pay with XXXX and this was not transferred. No one at XXXX XXXX attempted to reach out to me to let me know that payment was due. 

* I only became aware of the servicing transfer from my lawyer who tried to get a pay off quote from the previous servicer ( and was notified that it had been transferred ). 

* I called in to XXXX XXXX on XX/XX/2021 to request the payoff quote amount and the customer service rep did not inform me that the XXXX payment would need to be provided that day to avoid reporting late to the credit agencies. She provided a payoff quote reflective of the amount due if paid off in full the next week ( XX/XX/2021 ). She said any payment would impact this payoff # that I needed to give to the lawyer that day in order to close on the sale. 

* I paid the loan off in full on XX/XX/2021. Yes, my servicing was transferred unknowing to me while I was in the process of selling the property and moving to a new property. 

This has negatively impacted by credit and caused me to be declined for a refinance transaction which would have saved me thousands of dollars over the life of the loan. This was driven by operational issues related to the servicing transfer and miss-communication from the XXXX XXXX representative XXXX not a true credit/delinquency event.
Consumer complaint received 2019-09-11
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: National Credit Systems,Inc. (TX)

I wrote a letter to the Collection company trying to get them to validate the debt and they did not respond I sent the letter certified with return receipt they did not reply but at the same time I disputed the item with the credit bureaus and they got a response it doesnt make any sense. The company is national credit systems Account number XXXX National credit systems Account number XXXX based out of XXXX Georgia Address XXXX XXXX   XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-11
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. (TX)

I wrote a letter to the Collection company trying to get them to validate the debt and they did not respond I sent the letter certified with return receipt they did not reply but at the same time I disputed the item with the credit bureaus and they got a response it doesnt make any sense. The company is XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX based out of XXXX Georgia Address XXXX XXXX   XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grain Technology, Inc. (CA)

I received a statement on XX/XX/2022 telling me my payment was due on XX/XX/2022. My account was set to autopay, at the time. Instead of taking the payment out of my account on the due date, the company attempted to collect the minimum payment on my account on XX/XX/2022 without my knowledge. On XX/XX/2022 I received a notification that the payment failed. This company tried to take money out of my account weeks before the due date, I use multiple bank accounts and have funds available in those accounts based on due dates. Upon further investigation, I noticed that had done this the previous months as well. 

Fast forward to the end of XXXX, right before the payment is due, I attempt to make a payment through their mobile app with no luck. It seemed as though there was a glitch with the app, so I figured I would wait and try again later. A few days later I tried to make a payment again. The app did the same thing. It would not let me click on on any of the payment options. I assumed it could have been the company freezing my account due to the previously failed payment earlier in the month, even though that had not notified me of any such thing. I reread all of the terms and conditions and did not see anything of that sort. Then I ran across an email from them saying they " removed/revoke '' my XXXX XXXX account from my profile with no reason why and no follow up on how I can and should make payments going forward. 

I emailed their customer service on their app. I received a generic auto reply that said someone would reach out to me in a few business days. That did not happen. After waiting a few days, I reached out to their customer service again through email. Waited the stated number of business days, but still did not receive any response. I followed up by emailing them through my actual email account instead of the app, and still received the auto reply. I researched their phone number, but there's no possible way to make contact with an actual human, they only have automated messages. So, I went to the XXXX XXXX XXXX to leave a one star review. Sure enough I read reviews from other customers who received the same lack of customer service response. However, I did notice the Grain company responded to the negative reviews leaving their email address. After leaving my review, I emailed them two more times the same day ( see emails attached... the other emails sent through the app do not allow you to receive a copy, just the generic reply which is also attached ). I am simply trying to make a payment on this account. They should not be able to get away with lack of response. This should be illegal. They also should not report to the credit bureaus.
Consumer complaint received 2019-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/XXXX I applied what I thought was a chase sapphire preferred credit card. Unfortunately, in error, I applied for the Chase Sapphire Reserve credit card. I immediately discovered my error and called Chase Credit Card Service and told them of my mistake. The agent told me that I could change the product with no problem, just call back with in 48 hours when the account is set up. I called again on XX/XX/XXXX and spoke with an agent that said I could not cancel or change the card. I then asked for a supervisor who again denied my request and said the agent from the night before was incorrect. I then spoke with a manager who again said they could not change the product but could reject the credit card which will hit my credit rating. I opted to reject the card. 
My complaint is that there should be a grace period of at the very least 24 hours to correct a mistake. There has to be a regulation of some sort.