davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
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. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

I requested forbearance on my loan for XXXX month 's back when Covid started in XX/XX/XXXX, as the month 's passed i was told my payments would be added to the end of the mortgage, which never happened. XX/XX/XXXX i was told i would be approved for a mortgage modificatio. I called every month with the story being that due to covid it was taking awhile. Finally XX/XX/XXXX they sent the documents to be signed for approval of loan modification and that my first payment would be due on XX/XX/XXXX. I have made every payment since and have called every month since and my account reflects that i am passed due. I've called twice every month with the story being they are still working on it. I have requested manages and supervisors and only XXXX ever did i a supervisor call to tell me they are working on it. Now we are in XX/XX/XXXX and my account has been brought back to be reviewed because noone has an answer as to what is going on with my account, I have lost the ability to lower my interest rate due to this mess. I am very upset, frustrated and feel hopeless with this mortgage company. This is a horrible company to deal with and I'm surprised they are still running with all the bad reviews and complaints
Consumer complaint received 2022-02-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX, I have been a victim of Identity Theft and have suffered tremendous lost because of it. I submitted all of the proper documentation to all XXXX bureaus on XXXX XXXX of 2021 and have yet to get any response. I have suffered financially, fraudulent accounts have been opened in my name and I am just asking the bureaus to do the right thing here and by law per section 605B of the FCRA, these accounts should have been blocked within 4 days and an investigation launched on my behalf.
Consumer complaint received 2022-06-16
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

Recently submitted dispute regarding a transaction that was a scam. Despite providing evidence that the transaction had been paid via another method ( cash ), dispute was denied based on what Capital One suggested was evidence received from the merchant. To date, Capital One has not provided me with the evidence it received from merchant. 

In two separately disputed transactions, for amount due via refund of airport tax and fees for flights that were not flown, Capital One has also denied these disputes despite being the booking agent for one of the flights, and having received sufficient evidence from merchant that the airport tax refund is due and owed.
Consumer complaint received 2022-02-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX, I have been a victim of Identity Theft and have suffered tremendous lost because of it. I submitted all of the proper documentation to all XXXX bureaus on XXXX XXXX XXXX XXXX and have yet to get any response. I have suffered financially, fraudulent accounts have been opened in my name and I am just asking the bureaus to do the right thing here and by law per section 605B of the FCRA, these accounts should have been blocked within 4 days and an investigation launched on my behalf.
Consumer complaint received 2022-08-26
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. (MD)

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2018-05-02
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)

The Fair Credit Reporting Act is the federal law that spells, among other things, out how long negative information can remain on your credit report. I have contacted Equifax on several occasions advising them that this company XXXX XXXX XXXX is a fraud company that's trying to collect debt on old stuff. I did tell them the company is stating I took a loan out online but there is no solid proof that, that's me. There are statute of limitation a debt collect can report something on your credit and for Florida they have four year. This so called debt they say I owe is over 6 years ago. And I never received a any statements in regards to this issue. Also the representative with Equifax does not understand English and that bother me no one is helpful.
Consumer complaint received 2018-05-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I had an inquiry for a Kohl 's Charge card, which I never did on XX/XX/2018. I have never even been into a Kohl 's store. I reached out to Kohl 's customer service when I noticed it on my credit, who told me that it would be removed from my credit inquires in a month. Three months later, it is still on my credit. Every time I call back, I'm given the " run around '' and transferred to multiple extensions who don't answer. At one time, a rep. gave me the number where I was being transfer if I got no answer or was disconnected. When I called the number back, it was for XXXX. It's very frustrating what I've gone through to have this removed, when it wasn't even something that I applied for in the first place. I would like this Kohl 's Charge Card Inquiry removed from my credit.
Consumer complaint received 2022-08-26
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. (MD)

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-02-17
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 — Investigation took more than 30 days
Company: Maximus Federal Services, Inc. (NY)

XXXX XXXX XXXX / XXXX / 120 days late XXXX XXXX XXXXXXXX XXXX XXXX XXXX 120 days late XXXX XXXX XXXX / XXXX XXXX 120 days XXXX XXXX XXXX XXXX XXXX XXXX / 120 days XXXX XXXX XXXX XXXX / XXXX / 120 days XXXX XXXX XXXX XXXX XXXX XXXX / 120 days late XXXX XXXX XXXX XXXX XXXX XXXX 120 days late XXXX XXXX XXXX XXXX XXXX XXXX 120 days late XXXX XXXX XXXX / XXXX XXXX 90 days XXXX XXXX XXXX XXXX XXXX XXXX / 90 days late XXXX XXXX XXXXT / XXXX / 90 days late 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-06-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (MO)

I had a loan with BB & T ( now Truist ). Loan # is XXXX. The property address is XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. 

I moved from XXXX XXXX to XXXX  on XX/XX/XXXX. 

The loan was paid off on XX/XX/XXXX and I am entitled to a escrow refund check in the amount of {$3000.00} which I have not received. I have made 8 calls since XXXX till today, XX/XX/XXXX, following up with them and providing my most recent mailing address twice which is XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX. 

During all my calls I have received assurances that the case has been escalated to supervisor and refund check will be issued but I have not received it. In order to make their process efficient I have also advised them to directly wire the refund to my checking account on file. 

I think the time I have invested in following up accounts for more than the amount of refund check. 

I look forward to receiving your assistance in this matter. Should you need to contact me my cell number is XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (TN)

I have Major Inaccurate information on all 3 versions of my Credit/Consumer Report from the Top 3 Reporting Agencies/Bureau's/Companies who took the assumption that my information is accurate and in all Truth, all of them have Conflicting information from their assumption leaving me with legions of inquiries hard and soft.Conflicting starting dates on many Instances that has left me without on numerous occasions that I was stereotyped by false and poorly placed derogatory and inaccurate items on my Report depriving me of things I could have easily obtained rather housing, job placement, small business loans, low or any interest loans that people with good credit receive with minimal effort.I included a few vital instances that for sure disqualified me for the simple fact that all 3 per se providers who's top priority is accurate Credit reporting is one of a kind.I beg to differ.
Consumer complaint received 2022-02-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent XXXX LETTERS previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so.Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 
I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2022-02-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (NJ)

On XX/XX/2021, I requested a Debt validation and I received a response on XX/XX/2021, claiming that the debt was verified. In accordance with USC 1692g, congress mentions the 5 points that a debt collector must provide to the consumer 1. The amount of debt was on furnished 2. The name of the creditor to whom the debt is owed ; Not Furnished 3.

4.

5.

Last but not least I have never signed a contract with the debt collector.
Consumer complaint received 2018-05-02
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: AMERICAN EXPRESS COMPANY (NY)

I have an American Express Platinum Card. 

On XX/XX/XXXX I wrote a convenience check ( balance transfer check ) from my XXXX Visa card for the amount of {$3400.00} and mailed it to American Express. On XX/XX/XXXX XXXX posted the payment, and listed that American Express had cashed the check. 

American Express have refused to credit the amount to my American Express credit card. For over 6 months they have disputed and delayed, refusing to admit they received the check. Via XXXX, I have supplied them with all the information I can ; copies of my statements, copies of the check itself ; all information pointing to the obvious that American Express received the check but misdirected the funds, lost them somewhere. 

Meanwhile, I am being charged by both American Express and XXXX for money that has been lost by them. 

I have spent hours making calls and explaining the situation over and over again. I have been on numerous calls with both banks, even conference calls with both banks at the same time. XXXX assures me that American Express took my money. American Express keep asking me to ask XXXX for more information. XXXX tell me they have given me all the information they have. Meanwhile, I am caught in the middle. 

At this point I should file a police report, as the only explanation is that American Express has stolen my money. 

I don't know how else to resolve this, I need some urgent help.
Consumer complaint received 2022-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (VA)

The bank is anxious to shift to electronic statement delivery. We have made it clear in our preferences that we expect paper delivery of all statements. Up until now that bank has respected this arrangement and honored the preferences we set. However this year the 1098 did not arrive. I called the bank this morning and was informed that despite our clearly established preference for no electronic delivery - the bank unilaterally delivered all 1098s electronically. After expressing my dissatisfaction with this, I asked where in the online account portal I can retrieve my 1098 for XXXX. The representative directed me to where the document should be and it was not there. She then told me that perhaps it was only available from my wife 's account, and suggested I log-into my wife 's account to look for it. I did not do this. I demanded a paper copy be put in the mail immediately. I then asked how to ensure that my preference for paper statements is respected for all statements going forward- the representative told me that there was NO WAY to do that. I implored her, we have so many accounts with tax implications- if it were up to us to chase down all of our 1098s and 1099s we would surely forget several. It is completely unacceptable to ignore our request for paper delivery, assert that it is available online only, and then FAIL to make it available! I am writing for relief - this bank does not think they are under any obligation to respect my wishes with regard to my 1098 and, apparently, any other significant correspondence.
Consumer complaint received 2022-02-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have sent XXXX LETTERS previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so.Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 
I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2024-03-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SOFI TECHNOLOGIES, INC. (RI)

I have a checking account with SOFI Technologies. My checking account and credit card was hacked and charges were made to both of these accounts that I did not authorize. SOFI is working on my credit card charges but they denied my claim on my checking ( debit ) account. I got XXXX dollars taken out of my checking account. The reason for these withdrawals was XXXX XXXX XXXX XXXX. I sent then my XXXX XXXX statement for the past year showing there was no activity in my account. This is proof that I wasn't responsible for my funds being taken. I repeatedly tried to contact SOFI regarding my claim but get no response.
Consumer complaint received 2018-12-13
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. (VA)

On XX/XX/XXXX i disputed XXXX XXXX XXXX XXXX to experian and XXXX and XXXX and no one has done a full investigation into the credit card. I'm reaching out to you because i also called these bureau explaining that i reach out to the collector and then to the collection office where i paid my full payment. They both don't have any information on their system with my name or bday or social and a year ago i pay XXXX XXXX XXXX XXXX. On XX/XX/XXXX i explain again the situation and still the update to my account remains the same with the statement " updated- information on this item has been updated. please review your report for the details '' meaning they put a new date that the account was reported when this account was first reported in XX/XX/XXXX and they continue to put in false information. I have all the proof of them changing all my current information to new information that does not make sense to my account. Please i need to get help with this cause their doing this to all my accounts that are negative that i am trying to fix and making the situation harder on me. I have all the proof if needed.
Consumer complaint received 2020-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (FL)

I received a credit card offer from Wells Fargo directly in my email inbox stating I had been invited to apply for their Platinum credit card. I responded to the offer and applied for said credit card. A week later, I received a letter denying my application stating as the reason : " Not a XXXX XXXX XXXX XXXX  ''. 

I am a working, highly educated lawful XXXX, on a XXXX XXXX  and I have been a client of Wells Fargo since XXXX. The fact that my application was denied due to me not being a US XXXX XXXX  holder demonstrates that I was clearly discriminated against due to my XXXX XXXX  and lawful XXXX  status. They pre-approved me for a credit card but once I responded to the offer, I was unfairly treated, discriminated against on the basis of my XXXX XXXX. 
As a woman of color, XXXX  and belonging to an XXXX minority, I could not, in good conscience, stay silent as many now in America face discrimination and unfair treatment due to being a minority. 
I have reached out to Wells Fargo via email on XX/XX/XXXX, in regards to this matter but they have not responded to my claim. 

According to the Equal Credit Opportunity Act : " The Federal Trade Commission ( FTC ), the nations consumer protection agency, enforces the Equal Credit Opportunity Act ( ECOA ), which prohibits credit discrimination on the basis of race, color, religion, NATIONAL ORIGIN, sex, marital status, age, or because you get public assistance. '' In XXXX, Federal Judge XXXX XXXX from XXXX XXXX ruled " the right of noncitizens, including those with XXXX status, to be offered credit on the same terms as U.S. citizens in a lawsuit against Wells Fargo in a case identical to mine. 

In that sense, I do have grounds for legal action, however, I would rather settle this matter amicably, that is why I am reaching out to CFPB for assistance.