davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

This account is paid off but is being reporting in the status area and comments area that it's charged off. I have spoken to 3 individuals at XXXX XXXX and faxed over letters and screen shots showing what is being reported to the credit agencies. Neither Equifax or XXXX XXXX will fix this problem. This has been on going for close to a month and half between both organizations. Each placing the blame on one another.
Consumer complaint received 2019-05-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (TX)

Midwest Recovery Systems has attempted to collect numerous debts over the years for accounts that were paid prior to being sold for collections. Each time, I have disputed the debt with the credit reporting agencies and requested debt validation from Midwest Recovery. Recently, they sold off my accounts to XXXX XXXX, who is also attempting to collect the same debt. Meanwhile, Midwest Recovery has listed a collection account with the credit reporting agencies ... again. 

I sent a letter to Midwest Recovery via Certified Mail to the address they have registered with the credit reporting agencies, but it is no longer valid. There is no longer any way for me to contact Midwest Recovery since they have failed to update their current address. See attached letter.
Consumer complaint received 2019-10-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I am so tired of being DISCRIMINATED against due to my age. I am a very healthy XXXX yr old XXXX VET, you not just fought for this country but refused a medical leave due to injuries I suffered in 1943 so that I could rejoin my fellow unit in XXXX. I did and finished what we started, But here in the country I have given so much for I continually am turned down for accounts, My credit score ranges from 795-830 at the time I applied for a Checking account with Citizens bank my credit score was XXXX. 
Yet and unbelievably about 2 weeks ago Citizens bank denied my application to open a checking account. I bet if they knew I had over 7 figures saved up ( did not retire until I was XXXX yrs old ), that would have been different. 
I entered all my correct information, they did not ask to verify any information they just simply denied me.

I asked my nephew to apply moments later, he was helping me apply online, and although his credit score is far less than mine, he was approved instantly. 
So what possible reason besides my age could Citizens bank offer up as an explanation. 

I have received no letter or any other communication
Consumer complaint received 2019-10-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (FL)

I have been working with 3 persons from Better. All the 3 gave me different responses to my questions. I have been acting like a coordinator between them to make things in sync. I dont know if there is a proper structure being followed in Better. 

I completely lost my hope with Better, fully frustrated on how the things went and I wanted to reach out to someone in the higher authority to make sure my concerns are heard and to get a confidence about my refinance. 

When I initially talked toXX/XX/XXXX for the rate, I was told that I didnt qualify for the appraisal waiver according to XXXX XXXX guidelines and the estimated property value which I see in Loan Estimate is not correct and an appraisal will be done to get the value of the house. 

No appraisal was done and then comes the second stage where I was told to sign an appraisal waiver with no mention of the property value. I asked XXXX the same question about the wrong estimated property value then I was told that I see only the estimated value and once the process is all completed I will get the actual amount and I should refer to loan estimate only for the rate and closing costs. 

Then it goes to the third stage when XXXX XXXX talked to me and I asked the same question then she said she will ask XXXX how this number is determined. 

Before receiving the response from XXXX, XXXX XXXX, closing person from Better sends me the initial closing disclosure and says this number is final. I was completely lost and realized If I dont get an answer at this stage then I will never get. Thats why raised this as the main concern. Then XXXX calls me and says she will update the value to XXXX   because of the docs and renovation list I did in my home, which at least goes in line with the market trend of my neighborhood. My profile was updated and everything was looking good. Then she said XXXX will call and finalize the closing date. XXXX calls me next day and says he cant go by that value. 

I am totally frustrated. 

I was tricked by the loan officer XXXX when she asked me the estimated property value which was later manipulated to actual property value and I was intentionally given wrong hopes that an appraisal will be done and corrected at all stages. I feel like I have been totally cheated by Better and manipulated to get my application withdrawn from other lenders. 

All that Better did through out the process was giving me false promises and hopes and made me withdraw all my applications from other lenders and after making sure am not tied with any other lender, they are trying to make me nod to whatever they say. 

On top of all this when I tried to resolve this with a higher authority, I was contacted by XXXX XXXX XXXX XXXX Refinance Manager NMLS # XXXX Who made the situation even worse by giving me wrong information and accusing me without any base. At a point he accepted the mistake from Better but didnt take any steps to resolve it.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: ALLY FINANCIAL INC. (CA)

Hello, This is the third claim I have filed with the CFPB to address an issue that should have been resolved almost a year ago. 

Twice you have responded to me, acknowledging the error on your end in your CFPB statements, but I have never received the check for {$120.00}. 

I received a letter dated XX/XX/year>, stating that the bank would forward me the check " upon verification of the correct dollar amount, '' which, for some unknown reason, fails to be verified. I've seen such dismissive messages from you before. 

I demand that XXXX, who does not provide his last name in official responses, or another Executive Customer Relations representative in charge, facilitate and ensure that he or she sees the actual check leave your facility and provides me with an actual reason why this has not been done before. 

I want you to go to the department that declines to send me the check and demand a comprehensive description of the cause of such negligent behavior towards me. 

Stop messing with me. Either give me what is obviously owed or provide a reason why it's not possible!
Consumer complaint received 2019-07-11
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. (GA)

I received a copy of my credit file and enclosed is an account list under XXXX XXXX XXXX XXXX for {$4400.00}, XXXX XXXX for {$150.00} and an UNVERIFIED BANKRUPTCY CH-XXXX account which does not belong to me. So I am writing to excercise my right to request verifiable proof of the negative events listed within my credit file. The U.S. Code 1681g-Disclosures to consumers requires CRA 's to disclose the sources of information regarding negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE ACCOUNT : XXXX XXXX XXXX XXXX for {$4400.00}, XXXX XXXX for {$150.00} and an UNVERIFIED BANKRUPTCY CH-XXXX  account ; I expect that you will provide VERIFIABLE PROOF as required under 15 U.S. Code 1681g-Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect this negative event to be removed. Please communicate your intentions in writing. Sincerly XXXX XXXX XXXX Last 4 of SS # XXXX D.O.B : XX/XX/1981
Consumer complaint received 2016-11-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion has blocked me from getting my credit report online. This is preventing me from being able to monitor my credit report for fraudulent activity. I am paying TransUnion to be able to monitor my credit score & report but ca n't update or view anymore reports from them due to the block. I 've attempted to call TransUnion and I get transferred to the fraud department which then transfers me to some some special Priority department voicemail. I 've left several voicemails and they do not return phone calls.
Consumer complaint received 2021-06-15
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. (CA)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARD TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY INFORMATION IN REGARD TO THE INVESTIGATION RESULTS. IT HAS BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have asked several times for negative items to be removed from my credit report due to reporting agency violating Fair Reporting Act. The agency claim to have verified debt but did not provide me with proof as requested. The agency then sent me a letter in the mail asking me to verify my address which is clearly on file. The agency also claim they couldn't locate my credit profile with the information I provided which is false due to them clearly being able to locate my credit profile and report inaccurate information. Due to agency clearly being able to mail me letters shows the agency has my address, email and phone number on file. Agency also has my social security number on file to locate my credit profile. I am asking for immediate removal of negative items to be removed from my credit profile due to non compliance of verifying debt. Any further violation of the Fair Reporting Act will result in a lawsuit.
Consumer complaint received 2019-10-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (TX)

XXXX XXXX suppose to send me back my security deposit in the amount of 150 $ 30 days after I moved out of the apartment. Instead of returning my deposit they ( XXXX XXXX ) sent me the final statement by email without signature which made me believe someone is trying to commit fraud against me. 
On my response to provide me the proof of necessary activity they are going to charge me for ( Painting, Carpet replacement ) I did not receive any. 
Instead I was reported to collection agency which will affect my credit. 
I am demanding my security deposit back plus removing my file from collection plus compensation for moral damage
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (LA)

i have disputed a bankruptcy with experian credit bureau and for the months of  XXXX  and  XXXX   2017  they never disputed my complaint. I have sent them a certified letter which was signed for on  XXXX   XXXX ,2017. I also contacted the clerk of court in  XXXX   XXXX  and told me this belonged to a   XXXX    XXXX  whom i do not know. They are listing inaccurate information on my credit report
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA (TX)

I received US Treasury check from an amended tax return in the amount of {$9400.00} and deposited it into First National Bank of Omaha on XXXX via mobile deposit. Initially the funds were available within 2 days. I completed a few transactions but on XXXX my account was frozen with over half the funds remaining in the account. I called the bank multiple times requesting information or resolution however nothing has been disclosed or resolved. I was told that I would be contacted within 24-48 hours but no one has contacted me. After 13 days of waiting with no contact from the bank or further information or action, I went in person to the branch located at XXXX XXXX XXXX, XXXX, TX on XXXX to attempt to resolve the issue. I made contact with bank employee, XXXX XXXX. He reviewed my account and stated that the check that I had deposited was under thorough investigation and scrutiny by the bank for possible fraud. I explained that the check was issued by the IRS from an amended tax return and was drawn on the US Treasury and was valid and verifiable. The bank employee requested supporting documentation of the source of the funds for the check. I provided a record of account transcript provided by the IRS for the tax year that the refund was due. It clearly shows the amount of the check listed as a refund issued on XXXX and I pointed this out to the employee. He submitted it to the department completing the investigation but stated he could not unfreeze the account and would have to wait for the department to make a decision about releasing the funds. The following day I received an email from XXXX XXXX which stated that the check was suspected to be fraudulent and that the decision was left to the fraud department who have stated the hold on the funds will not be lifted. I took this to mean that my money will not be returned to me and the bank is seizing over {$5000.00} for no valid reason. I deposited the check 22 days ago and it has been frozen for 18 days. I checked the check using the treasury departments check verification tool on XXXX and the tool stated " check verified. status : paid '' indicating the bank has already received the funds for the check when it was deposited on the XXXX. I can not pay my bills or afford basic necessities and I have no idea how long this problem will persist.
Consumer complaint received 2021-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My husband and I were affected by COVID these from XXXX through XXXX. I was charged late fees on XX/XX/XXXX for {$38.00} XXXX, XX/XX/XXXX {$40.00}, and XX/XX/XXXX for {$40.00}. I asked the credit card company, Capital One credit card to refund me due to the Covid hardship I spoke with XXXX and XXXX a senior account supervisor and she could not help and could not refund it. She said I should have called when my husband was ill. I find this to be bad business and not true to their website. Their website states that they can help with financial issues during COVID. I found their supervisors to not be helpful at all. They said I should have made a call even though he was sick. I could not make a call during that time. I could not, I had a sick husband and a special needs kid. They said it was my fault for not calling. I find that to be bad service and a pandemic is a unique, difficult situation. I was caring for my husband and focused on his husband 's life, not calling the credit card company. It is also a financial burden. 

Can you please help to reverse my late fees? 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.
Consumer complaint received 2019-07-11
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. (MO)

XXXX ; Experian and XXXX are incorrectly reporting the XXXX  XXXX partial account number XXXX. ( Please see page 9 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and should have been deleted from my credit report. I have contacted the ( 3 ) bureaus however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report.
Consumer complaint received 2023-02-10
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. (GA)

Good Afternoon I was reaching out to you about some credit items on my credit that has nothing to do with me. I tried my best to reach out to these accounts but honestly its like nobody knows anything. Im doing this by myself and want to know Can you all please help me with getting something resolved with removing these accounts off my credit 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 2018-05-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

XXXX XXXX XXXX, a collection company, purchased my bad debt from XXXX XXXX, the original creditor on XX/XX/2012 with a final balance owed of {$8100.00}. XXXX XXXX is now reporting on my XXXXs as an Account and not a collection company. XXXX XXXX is a debt buyer/collector, which can not extend credit to any one. They are reporting in my " OTHER '' accounts section of my XXXX credit report. XXXX XXXX list the debt as as a " Retail '' Creditor Classification, and updated the Payment Status of " Collection Account ''. The account will show up in my " Negative Accounts '' Section because of the payment status, and not because it is being listed as collection company. I want XXXX XXXX to stop this fraudulent way of reporting and remove their accounts from all three of my XXXX ( XXXX, XXXX, & XXXX ) They accepted or purchased the debt, that does not give them the right to report as an original creditor, thus creating the fascade that I have unpaid account that is current. The orignal creditor is no longer reporting on my credit file. This does not give XXXX XXXX to act as if they are the original creditor.
Consumer complaint received 2018-05-04
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: Experian Information Solutions Inc. (CA)

I am writing to advise of an ongoing discrepancy on my 3 credit bureau reports ( Experian, XXXX and XXXX ) caused by XXXX/ XXXX XXXXXXXX ( formerly known as XXXX XXXX ). They are currently reporting an account and associated loans as a profit and loss write-off, with the current balances due. This account/loans were for Private Student Loans, which are unsecured loans and not federally funded. Their website indicates that the first payment was due on XX/XX/XXXX and no payments were ever received. As you are aware, there was no grace period on these private student loan. I have made multiple requests, over the past several years, for copies of any promissory notes and/or contracts bearing my handwritten signature, but none have been provided to date. Given these facts, I assert that XXXX/XXXX XXXX ( formerly XXXX XXXX ) is currently in violation of the FCRA as described below : Per FCRA 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

The 7-year +180 day period which is allowed under FCRA began on XX/XX/XXXX and has since expired on XX/XX/XXXX. Regardless of XXXX 's choice to officially charge off the account/loans at a later date, my protection under this rule should not change. I therefore requested that the account and all associated loans be deleted from my credit report with all three credit bureaus ( Experian, XXXX and XXXX ) IMMEDIATELY, with written confirmation sent within 30 days. I also request that XXXX  ( formerly known as XXXX XXXX ) and its assignees refrain from any and all collection activities including credit reporting at a later date. Failure to remove these accounts constitutes a violation of the FCRA.
Consumer complaint received 2023-02-10
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. (GA)

Good Afternoon I was reaching out to you about some credit items on my credit that has nothing to do with me. I tried my best to reach out to these accounts but honestly its like nobody knows anything. Im doing this by myself and want to know Can you all please help me with getting something resolved with removing these accounts off my credit 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