davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXX XXXX XXXX XXXX, Texas, XXXX RE : Letter to remove inaccurate credit report information Dear Experian, There are several inaccuracies in the following accounts Account Name : XXXX XXXX XXXX Account Number : The account number is missing. 
Account XXXX XXXX  The monthly payment is missing. 

I am demanding that these items be removed as your company failed to do an initial investigation on these items. Pursuant to 15 U.S. Code 1681 ( a ) ( 1 ) the banking system is dependent upon credit reports being fair and accurate. The banks can not function without my consumer reports being accurate nor can I extend my credit for essential things. This grave error has undermined my confidence in the public and I am not able to use my consumer credit. Pursuant to 15 U.S. Code 1681 ( b ) ( 2 ) I never gave your permission to furnish a consumer report on my behalf nor did I give you written consent with my wet ink signature. You are supposed to have my permission to furnish this report and I never gave consent for you or any other person to furnish information on my behalf. I demand that you provide to me the original contracts for the above said accounts and I also demand you provide me a contract including my wet ink signature which gave your permission to furnish this information on my report. If you can not provide such documentation these items shall be blocked and removed from my consumer report. If the failure of such items are not blocked and removed, failure of your willful noncompliance can result in a lawsuit. You are harming my reputation and defaming my character by reporting inaccurate information and causing mental anguish and injury as I have been denied credit. I am expecting to get a home in a few months and this inaccuracy is causing me to be denied by lenders because it is reporting negative. I also demand you provide me with a sworn affidavit showing proof that I granted you permission to furnish a consumer report on my behalf with the failure of such information the above accounts shall be removed.

If Experian fails to make any reasonable procedures to resolve this matter and compensate me for the use of inaccurate information and privacy violations. I will indeed make Experian criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. 
I will also Follow up with an invoice for said violations ( { XXXX  } per violation. ) Thank you. 
XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice. All Natural Inalienable Rights Reserved
Consumer complaint received 2021-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

Fifth Third bank incorrectly processes mortgage payments as curtailments. This has happened repeatedly. I have asked the bank to please escalate this technical issue as it requires a fix in their systems but they have refused to do so. 

Each time I make a payment, the bank incorrectly processes my payment as a curtailment despite the fact that the settings clearly show it to be a mortgage payment and NOT a curtailment in their online tool. 

Every month, I have to write a message to the bank to reverse the curtailment and reprocess my payment as a mortgage payment instead of a curtailment. They take care of this manually and fix the error but it requires that I reach out to them and ask them to reverse this issue. 

However, recently, the bank has begun to cut staff due to XXXX. It also appears that they have taken down their online messaging tool so it is very difficult to contact them and ask them to reverse the curtailments. This is a significant issue and makes it very difficult and painful in order to simply process a mortgage payment. If I was not on top of this, they would be marking me as delinquent in their systems. 

These are the dates I have written to Fifth Third Bank and asked them to fix their online tool and/or reverse the misprocessed payments. I have and can provide evidence of these letters as well as correspondence received from the bank acknowledging the issue and agreeing to reverse it manually. See attachments. 

It's worth noting that I never selected XXXX XXXX as my mortgage servicer. My mortgage was transferred to their care after my original mortgage was sold. Since then, mortgage payments have been a nightmare. Literally every payment is misprocessed despite the fact that I input them into the system correctly. The company refuses to fix the technical glitch despite repeated phone calls and correspondence with them. This is made far, far worse now that they have removed electronic correspondence on their website. This means that I'll now have to call them each time to fix the issue, which will require sitting through their inundated phone tree each time and waiting for a service rep each time I want them to fix their errors in processing my mortgage payment each month.
Consumer complaint received 2021-12-02
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. (SC)

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within XXXXhirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2022-12-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd ()

Good morning, I have opened an account at WISE, after making a deposit and sending all the receipts, they blocked or closed the account, I asked them for a refund of the money on several occasions and now the system tells me that my money has already been sent to where I indicated, I gave them a XXXX XXXX account and a XXXX account and I have not received the money, it is {$45.00}, I appreciate the collaboration in this case
Consumer complaint received 2021-04-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (OH)

Phoenix Financial Services placed two accounts on my credit report. They also sent a letter to my house indicating that the statue of limitation had past and that these accounts were too old to collect thus making them time barred. I disputed both of these on my credit reports. On XX/XX/2021 these were removed. However, on XX/XX/2021 I received a letter stating that the law limits how long you can be sued on a debt. Because of the age of your debt, you can not be sued for it. On XX/XX/2021 it then placed back on there. These debts were duplicates with the same amounts. My rights were violated under the FCRA due to this items being deleted then put back on my account. This company has parked these debts on my credit report and therefore it has caused my credit to go down. The balances are {$11000.00} and {$430.00}.
Consumer complaint received 2019-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FIRST ADVANTAGE CORPORATION (IN)

I was reviewing my background check and two of my XXXX ( XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX XX/XX/16 and XXXX XXXX XXXX XX/XX/16 ) are listed under XXXX County, XXXX instead of XXXX County, XXXX. I don't want my potential employer to think I wasn't truthful.
Consumer complaint received 2016-11-21
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company (MA)

Was contacted by my mortgage company, who offered to lower my interest rate at no cost to me. After a couple of phone calls, I realized I was actually " re-financing '' my mortgage, not just lowering my current interest rate. I felt this was very deceptive. The first person I spoke to sent me to another person who said she would be my point of contact through out the process. This did n't happen. At every step of the way I was given another " contact '' who would be with me " through out the process ''. After explaining to several " contacts '' that I did not want to finance more than my current principal balance I received my first closing disclosure. This doc was incorrect because they added money to the principal, which I had already explained to several of my " contacts '' I would rather pay for than finance. I was told the docs would be fixed. They then showed up at the closing with the wrong version of the docs. The closing did n't happen. A second closing was scheduled. Another set of closing disclosure docs were prepared. These docs added even more money to the principal which I explained again to my newest " contact '' was n't acceptable to me. After spending 45 mins on the phone with my latest " Contact '', I thought I had finally made the point that I was trying to make all along. I wanted to only finance what my current principal balance was, and would pay for the additional moneys required to payoff the current loan. I was told this would be the interest amount from the XXXX of the month to the date of closing. They would still pay all closing costs. Second disclosures showed up. Once again incorrect. I was told to keep my scheduled closing date as a new set of docs would be drawn up in time for this closing. I never received this third version until the actual day of the closing and yet again the principal amount was now even more. 
I am now stuck. If I do n't close I 'm going to have late fees for missed mortgage payments. The missed payments were because my " contact '' told me not to pay them as they would be taken care of once the new loan was closed, which did n't happen. The aggravation of having to explain myself over and over to many different " contacts '' and none of them actually doing it the way I wanted makes me feel like they are trying to scam me out more money than necessary. I do n't want to close this loan but I am now on the hook for late fees. So either way, the 're getting more money out of me than was necessary.
Consumer complaint received 2018-05-07
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: SYNCHRONY FINANCIAL ()

Received a call from Collection agency saying I had not paid my Wallmart credit card in the States. I contacted my local police and reported here in XXXX. I ran an XXXX on myself and confirm that I have been a victim of Identify fraud. I was informed to contact the US as well. I do not live in the states and have only travelled there twice in twenty years. 

Thank you
Consumer complaint received 2020-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I have a few accounts on my credit reports that belong to a company and not me personally as an employee. Seems the reporting Agency is reporting them to my personal credit report as a charge off. These loans never showed up on my credit before but now a charge off is there after years. 

I seem to also have a XXXX account and a couple XXXX   XXXX credit cards that I never opened or knew about. I think they were opened by my dad who I havent seen since 1983 when he left me at XXXX years old to never see him again. He has the same name as I do. 

Lastly I have a XXXX utility bill That was in my Exs name. Even though I didnt live at the home with her while the costs were ran up The utility says since she listed me as there it means I am responseable for it
Consumer complaint received 2019-08-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (KY)

On XX/XX/2017 I took out a loan with One Main in XXXX, Ky. That loan was for {$10000.00} on a 4 year payment plan. My total payback was about {$15000.00}. I called today to get a payoff and I was told it was a little over {$4900.00} I called back to ask why the payoff was more than the balance, I was told it was an interest bearing account. When I signed the contract it was an installment. So I went to pull my copy of the contract which they gave to me in a folder and I never actually looked at my copy because I didnt have a reason to. I pulled it today they never actually gave me a copy of my signed contract they only gave me copies of the insurance disclosures. They insist I signed a contract agreeing to interest bearing and I did not and they didnt give me a copy of my contract.
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I open a credit card with Kohl around in XX/XX/XXXX, they told me that they closed the account because I haven't use the card in 36 months, well that's was ok with me, but they also told me I can apply for a new one. So Saturday XX/XX/XXXX I was ordering some shoes online and apply for a credit card, and the response I got back from them is that I already have a open account, so I call them and they are telling me my account is closed, and I told them no it not because it showing in there data base that it's open. I ask them to send me a conformation letter stating it is closed and they refuse to do. They have my personal information floating around in there system, number one they did not sent me a letter saying they closed the account, and they still won't give me paper work confirming to me it closed. I believe something fraudulent is going on. I do have a copy of the screenshot they sent to me. I just want my account completely closed and I am no longer want a credit card from them or do any business with them.
Consumer complaint received 2021-04-17
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: EQUIFAX, INC. (PA)

I recently challenged the validity of XXXX  # XXXX {$400.00XXXX XXXX XXXX # XXXX {$16000.00} XXXX XXXX XXXX # XXXX {$570.00} and XXXX XXXX {$370.00} XXXX # XXXX {$0.00} XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX  # XXXX {$950.00} XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX # XXXX {$1800.00} accounts XXXX XXXX XXXX  Original creditor : XXXXXXXX XXXX  XXXX {$1200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX # JXXXX {$160.00} that's being reported on my most recent credit report. Upon challenging this, XXXX  credit bureau deleted the accounts based on lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with XXXX credit bureau the agency verified the same accounts. We agree XXXX is in violation of FCRA and my consumer rights. Each Violation is {$1000.00} per violation We also agree with the cogent observation by the fifth Circuit that the plain language of the statute places the burden of re-investigation on the consumer reporting agency. See Stevenson, 987 F.2d at 293. The FCRA evinces Congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the collection and dissemination of credit information, bear " gave responsibilities, '' 15 U.S.C 1681 ( a ) ( 4 ), to ensure the accuracy of that information. The " grave responsibility '' imposed by 1681i ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a " re-investigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations completed by the statute.
Consumer complaint received 2021-04-17
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. (OH)

I have filed my complaint in XX/XX/2020 I never received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-02-18
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. (CA)

XXXX  XXXX XXXX XXXX : {$1800.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX  XXXX XXXX XXXX : {$2800.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX : {$1000.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX  XXXX XXXX XXXX : {$160.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately.
Consumer complaint received 2022-12-01
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: DISCOVER BANK (AZ)

I I took advantage of an XXXX promotion and made a credit card transfer on my Discover card : DISCOVER IT CARD ENDING IN XXXX CARDMEMBER SINCE XXXX and setup automatic payment. 
I never used the credit card since the transfer, to my surprise, statements show : XX/XX/XXXX XXXX XXXX  XXXX XXXXXXXX XXXX {$59.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX {$59.00} XXXX XXXX and monthly fees for using the credit card. 

I tried contacting XXXX over the phone without success, then chat online with an agent that couldn't find where and when I made these transactions. He finally advised me to dispute the charges with Discover card, what I did. 

Then Discover sent me an email stating that : We've investigated your disputed transaction and have considered all documentation available to us. We were unable to settle the matter in your favor and now consider the charge to be valid. This means we've closed our investigation, we will reverse the temporary credit on your account, and we'll apply the charge to your statement. 

Case Number : XXXX Merchant Name : XXXX XXXX XXXX Dispute Amount : {$59.00} We are required to report your account to the Consumer Reporting Agencies as a disputed account until you advise us to remove the dispute status. 

I do not agree on the charges that I did not made and that can't be verified by the merchant.
Consumer complaint received 2015-07-15
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

They have called multiple times even after contact, sometimes XXXX to XXXX times a day. It is a debt from 2007 which is past the 7 year period. I have spoke to theit legal department and they refuse to give me an address where I can send a cease and desist letter via certified mail. XXXX man told me he will call my children 's children if that what it takes to collect as long as it takes. The state laws do n't apply.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I've noticed that it's accounts that I have no knowledge of on my consumer report as a result this issue is hindering me from obtaining credit account 1 XXXX XXXX  XXXX account 2 XXXX XXXX these accounts I do not recognize please remove