davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

Congress enacted the FCRA in 1970 to ensure the confidentiality, accuracy, relevancy, and proper utilization of credit reports. 15 U.S.C. 1681 ( b ). 

I filed a certified dispute with XXXX and it was mailed on XX/XX/XXXX, and XXXX received the letter on XX/XX/XXXX. In this complaint I requested that only my name, XXXX XXXX, be listed on my credit report to reflect accurate reporting and I produced a State issued driver 's license as proof of identification and XXXX is still reporting XXXX XXXX XXXX on my credit report as a former name which could lead to fraud because there are so many XXXX XXXX. I request that this information be removed or masked. This letter also included a dispute of bankruptcy information reported by XXXX, which included a XXXX XXXX Account which is closed which indicates that it is a bankruptcy account. XXXX has no permissible reason to report information, does not have my written consent to report and in fact I have opted-out of XXXX at least twice. The bankruptcy court does not report information to any agency. This is an infringement on my right to privacy and continues to oppress me and is discriminatory. 

In addition, I mailed a certified letter on XX/XX/XXXX, requesting that XXXX send me the Sources and Report Recipients for Report # XXXX and " Description of Procedures for Reinvestigation '' for XXXX and all other disputed information ; XXXX received this request on XX/XX/XXXX. I received a letter today from XXXX saying that I can request a Description of Procedures for Reinvestigation for the disputes related to report # XXXX. XXXX has five days to provide this information to me and has failed to do so.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (PA)

i live in PA, i am 100 % XXXX vet which excludes me of property taxes. the bank was provided all the paper work last year. my monthly payment was then lowered to {$600.00}, i send {$610.00} every month. come to first of the year the mortgage company decided to pay the taxes on their own, which then put my escrow account in the negative, then they raised my mortgage payment to {$820.00}. been dealing with the company for 3 months with hour long phone calls, to only get no call back or they were caught in lies. now my credit report was hit for XXXX points for deliquiate acct. 

i have no clue which way to go here this problem has caused me so much stress
Consumer complaint received 2022-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/XXXX, Bank of America assessed a {$12.00} " service fee '' on my new checking account. I increased my balance to the {$1500.00} required minimum and asked them to refund the fee, since I am retired on a limited income. They refused, claiming it was a " valid fee. '' I have no idea what " service '' they allegedly provide for {$12.00} a month! They don't pay interest and they haven't even sent me any checks!
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (CA)

Company costumer service had mislead me into not making a payment to pay off promotional purchase before it lapsed. Had me wait months ( told me to wait 1-2 cycles ). Costumer service also mislead me into thinking if I paid the {$900.00}, to get rid of it... did not. 

I inquired XX/XX/XXXX and XX/XX/XXXX was told to wait. Contacted XX/XX/XXXX
Consumer complaint received 2015-09-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Plaintiffs, at all times relevant to this complaint are owners of the real property known as XXXX XXXX XXXX, XXXX, CA XXXX ( hereinafter " Subject Property '' ). 
Plaintiffs acquired a home mortgage refinance loan forthe Subject Property from lender, XXXX XXXX The mortgage loan was secured by a Deed of Trust executed on or about XXXX XXXX, XXXX. 
Defendant SELECT PORTFOLIO SERVICING ( hereinafter " BANKS '' ), is the mortgage servicer of the XXXX secured lien and the purported beneficiary of the Deed of Trust used to secure the mortgage loan to Plaintiffs to purchase the subject property. 
Sometime in early XXXX XXXX, Plaintiffs received a Notice of Default from XXXX XXXX XXXX after having bought the loan from XXXX XXXX. Plaintiffs have attempted to short sell this property under the government Home Affordable Foreclosure Alternatives program, but has been unable to do so. On or about XXXX XXXX, SELECT PORTFOLIO SERVICING issued a Notice of Default against the Plaintiffs after having bought the loan from XXXX XXXX XXXX. Despite continuous efforts for the Plaintiffs to apply for a short sale for the defaulted note, the multiple lenders involved have not cooperated to date and have continually put the property up for foreclosure auction without legitimately reviewing the Plaintiffs for a short sale.
Consumer complaint received 2022-03-24
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. (AZ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-24
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. (GA)

I mailed a letter to XXXX, Equifax, and XXXX to let them know they were breaking the law by reporting certain information on my credit report according to 15 U.S. Code 1681a ( d ) 3, 15 U.S. Code 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ) and 15 U.S. Code 1681 ( a ) ( 4 ). The 3 credit companies have been made aware of this via letter in the mail and I've asked multiple times for them to remove this from my credit report. The letter was sent XXXX XXXX XXXX. I have yet to hear from them and the items in question have not been removed. According to 15 U.S. Code 1681 ( a ) ( 4 ) - I have a right to privacy and I deem all information pertaining to me as private including the information on my credit report.
Consumer complaint received 2021-10-27
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. (PA)

Hello, To whom it may concern, I am writing you today because XXXX is reporting inaccurate information on my credit report and I've pointed this out to them numerous times and yet and still they fail to remove it even though they are reporting both inaccurate and fraudulent information on my credit report. 

The credit bureaus are supposed to be fair and ONLY report 100 % accurate information. It's been well over 30 days since I sent in my dispute letter and they haven't responded back to me yet at all. They are playing games with me and not taking my concern seriously. 

They are severely violating my rights that I'm fully aware of. I've also pointed this out to them and they just ignore my complaints and don't respond to my letters. I'm extremely frustrated and need help.
Consumer complaint received 2022-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE (AR)

My current loan is being serviced by Primary Residential Mortgage ( PRMI ) ( since XX/XX/XXXX ). XXXX XXXX is the lender. 
My statements consistently get to me late each month, just before the due date. Example, for a XX/XX/XXXX due date I received the statement XX/XX/XXXX. This has been the pattern since inception of the loan. I have not been assessed late fees because there is a grace period until the XXXX of each month. 
I have spoken PRMI and was basically told nothing would be done to get my statements to me any sooner in the month.
Consumer complaint received 2022-03-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: EAST WEST BANK ()

I opened a business account with East West Bank in the first half of XXXX. The account received several remittances from the United States in XXXX and XX/XX/XXXX. All remittances were deposited into this account, and then in XX/XX/XXXX East West Bank emailed me to inform me of several remittances that the sender believed to have received fraudulent requests for refunds. My account was frozen and I received an email from East West Bank in XX/XX/XXXX describing that the funds would be refunded to the sender if I could not provide further evidence. I have some documents but the bank does not accept the documents as fully compliant.
Consumer complaint received 2021-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (FL)

I received a barclay statement on XX/XX/21. There was a charge for {$12.00} on XX/XX/21. I called barclay that same day on XXXX ( the number on the statement ). I was transferred to a relationship specialist and was asked for my password. I told them I didn't know. They said there was nothing they could do despite me telling them someone was using my card. I asked to speak with the manager. I was transferred to the manager who said she couldn't access my account because I didn't know my password. She said she would transfer me to security. I was on hold for roughly 50 minutes. I found another number on the back of my card XXXX. I called and spoke to a relationship specialist. I gave them an old password to see if that was a possibility as I do not remember my verbal password. They said it was not. I explained the situation of how I don't know the password and someone was using my card. I was put on hold for roughly 20 minutes and then the phone hung up on me. I called the XXXX number again. I again explained the situation and she said she would stay on the phone with me while I was waiting for the security department. I waited roughly 70 minutes and hung up because no one was answering the phone. I called the XXXX again and tried two other passwords ( one of which is my online password. I do have access to my online account ).. Neither password was correct. They said they were going to transfer me to security. I told them I want to place a complaint. She said she would stay on the phone with me until I was connected to the complaint department. Instead, she transferred me back to the main menu for their automated telephone system.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (DC)

XXXX is reporting my score at XXXX after it was showing at XXXX in XX/XX/XXXX. The drop does not reflect the ontime payments or the age of the deragatory marks which are more than 7 years old. Furthermore, all the accounts have been settled during Covid with XXXX balance. The only loan is mortgage - a basic of the average american. That loan is paid every month as per schedule with taxes. 

Th credit score has fluctuated more than 100 points from XX/XX/XXXX which is a blatant misuse and breach of personal financial information. It belies the fact that I have been able to obtain rental housing, have 3 jobs in XXXX and XXXX  all of which require both : background check and credit score. 

XXXX is accessing information and sharing it indiscriminately during Covid and the economic crisis at this time.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: PNC Bank N.A. (DC)

XXXX is reporting my score at XXXX after it was showing at XXXX in XX/XX/XXXX. The drop does not reflect the ontime payments or the age of the deragatory marks which are more than XXXX XXXX XXXX. Furthermore, all the accounts have been settled during Covid with XXXX balance. The only loan is mortgage - a basic of the average american. That loan is paid every month as per schedule with taxes. 

Th credit score has fluctuated more than XXXX points from XX/XX/XXXX which is a blatant misuse and breach of personal financial information. It belies the fact that I have been able to obtain rental housing, have XXXX jobs in XXXX XXXX XXXX  all of which require both : background check and credit score. 

XXXX is accessing information and sharing it indiscriminately during Covid and the economic crisis at this time.
Consumer complaint received 2024-02-15
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: Experian Information Solutions Inc. (TX)

15 U.S.Code 1681c2-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, nor later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL STATICS FROM XXXX, EXPERIAN AND XXXX. 

Once again here are the inquiries that WERE NOT AUTHORIZED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-03-24
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: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX : Saw the online offer for the Chase Freedom XXXX card, which included a {$200.00} statement credit after {$500.00} spend, along with a 5 % cashback on groceries for the first in the first year. ( An additional bonus separate the quarterly rotating categories ) Went in-branch to apply for the card, where the banker noted that in addition to the grocery offer, I would receive a {$250.00} bonus for applying in person. 

XX/XX/XXXX XXXX : Noticed the 5 % sign-up bonus was not showing on the card statement, despite already having received the {$250.00} bonus. Called in to Chase, where the representative assured me that the bonus was correctly attached to my account, and that I would see it in my next statement. The representative likely misunderstood and assumed I was referring to the quarterly rotating cateogry. 

XX/XX/XXXX XXXX : Called in again when noticing the sign-up bonus was not showing on the card statement. Representative says will escalate, and will receive in a response soon. 

XX/XX/XXXX : Received online notice that Chase would not be honoring the bonus. 

XX/XX/XXXX XXXX : Met with Chase banker who originally helped me apply for the card, who said that he would escalate to his manager, and promised he would call me back in the coming week. Never received that call or follow-up, so scheduled a meeting with the banker again the next week. 

XX/XX/XXXX XXXX : Met with Chase banker again, along with his manager, and was told for the first time that the {$250.00} in-branch offer excluded the promotional grocery offer shown online, and that they would not retroactively apply the offer that was originally promised.
Consumer complaint received 2023-07-19
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. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected or deleted 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-12
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. (NJ)

Account shows 30 days late payment from XX/XX/2020 in the amount of {$670.00}. This account never has had a late payment. Please correct this incorrect information on my credit report.
Consumer complaint received 2021-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I deposited check XXXX from a third party bank into my Bank of America checking account and advised them that I did not want the funds released until it cleared the other bank. The funds were released the next day. I called bank of America and was told the check had cleared the other bank. I then did what I was supposed to do and sent the money to the vender. Within 2 hours bank of america said the check was badand removed XXXX from my account. Then said it was their policy to add the funds in 24 hours.
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION (NC)

I have a secured credit card through BB & T which is now truist. I got this to repair my credit. I haven't used it since XX/XX/2021 and when I did use it, I used it for only gas and therapy. Then suddenly I see in a text that I have a balance of XXXX and there were about 15 more transactions that got declined when I checked what it was about. I've called the bank several times and have gotten the run around each time telling me things will be resolved in 3-5 business days and that was XX/XX/XXXX and it is now XX/XX/XXXX. I still don't have a new card, still have a pending balance and each time I call I have to wait at least thirty minutes before I speak to someone. Either their systems are down or I have to be transferred to another department just to get hung up on or lied to telling me it's getting taken care of.
Consumer complaint received 2019-11-20
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Statewide Mortgage, LLC (TN)

After completing necessary credit corrections requested by your loan officer XXXX XXXX I was granted an approval to purchase a {$210000.00} home with a VA Loan. A day before the closing day and seller vacating the property I was informed of judgments that would preclude me from purchasing home. I should have been informed of these judgments against me before I was pre-approved for home and definitely before the seller moved out of her home.
Consumer complaint received 2022-03-24
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Santander Consumer USA Holdings Inc. (FL)

In XXXX, I contacted a loan company by the name of XXXX XXXX XXXX to help me buy my car. I gave all my information and they fumbled the paperwork. Lease ended and they encouraged me to get new lease buyout packages. I kept sending paperwork, and the leasing company took my car. I finally get a loan company XXXX XXXX XXXX XXXX ) to give me the money to buy it out. But said I had to get a purchase order from dealership. 

When I go to dealership, they wont release purchase order because they have to check the car first. I cant get the car checked because the car is in a repo towing yard nearby. 

I call leasing company to release car for me to buy it properly and they refuse to until I pay it off. 

So i essence Im stuck because theyre all putting roadblocks with each other for me.
Consumer complaint received 2022-10-27
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!