davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (FL)

Regions Mortgage has owed my escrow refund from XXXX for over a year now. They claim they sent out a check that i never received. I called the first time on XX/XX/XXXX to try to get them to reissue the check, which they claim they did and i again i never received. 

Then they claimed that the amount had probably been credited to my XXXX escrow refund which we have discussed multiple times and now know it hasn't based on the analysis of my escrow statements. They keep saying they are searching for the missing check and that they will get back to me. 

I have spoken to multiple representatives, multiple supervisors, escalated the issue, etc. 

It is infuriating to have to make more than 20 phone calls to try to get a reimbursement for money that i am owed, all the while to keep getting nowhere. 

Their level of customer service is a disgrace and an abuse to a consumer like myself. 

Please help me sorting out this issue!
Consumer complaint received 2021-05-12
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (OH)

I CONTRACTED with Home Depot through my Credit Card last XXXX digits of credit card XXXX XXXX see attached ) To REPLACE MY AC UNIT, INCLUDING ALL MATTERS OF INSTALLATION. 
Home Depot subcontracted XXXX from XXXX, Ohio to do the job. 
THEY DID NOT COMPLETE THE JOB. 
I waited 30 DAYS for Home Depot to get XXXX TO FINISH THE JOB T H E Y D I D N O T So, I hired XXXX XXXX TO COMPLETE THE JOB THEN ASKED HOME DEPOT TO CREDIT MY CREDIT CARD THE EXTRA {$560.00} It COST ME TO FINISH THE JOB I CONTRACTED HOME DEPOT TO DO COMPLETELY WHICH HOME DEPOT DID NOT COMPLETE AS CONTRACTED.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act
Consumer complaint received 2023-06-20
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. (AL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account XXXX XXXXXXXXXXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX account XXXX XXXXXXXX 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 2022-03-12
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. (FL)

on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 30 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NC)

In XXXX, my ex-husband and I applied for a XXXX XXXX credit card account, which had a {XXXX} credit limit. On XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX granted our divorce. However, we did not include the XXXX XXXX account in our divorce due to an oversight, therefore, the account was never closed at the time of divorce. In XX/XX/XXXX, I tried logging in to make a payment on the XXXX XXXX  account as I normally would do. On this particular date, I was unable to log into my account. The error stated that the account was locked due to the account being closed. I immediately called XXXX XXXX ( Comenity Bank ) to inquire about why the account was closed. They informed me that the account had been included in my ex-husband 's XXXX  XXXX bankruptcy case, therefore, the account was written off and closed. I asked if there was a way that I'd be able to keep the account open and continue making the payments, so it wouldn't affect my credit and was told that there was nothing I could do to reopen the account but that I could call back to make sure it wasn't reported negatively on my credit report. In XX/XX/XXXX, I called XXXX XXXX  after noticing that my credit score had been impacted due to them reporting that the account was closed because of a bankruptcy filing. They agreed to change the reporting to simply show the account as closed. Which was reflected as such until recently. On or about XX/XX/XXXX, I noticed that my XXXXredit score dropped again due to a remark being added to the Comenity Bank/XXXX XXXX  account again. Shortly thereafter, I received a letter from Key Jewelers dated XX/XX/XXXX stating that they had received my letter dated XX/XX/XXXX, and that they had updated the reporting to the credit agencies. However, I never sent them a letter requesting such change, and they had already agreed to have it reported simply as closed due to my ex-husband having filed the bankruptcy not myself. Currently, the status of the account states that the " credit grantor can not locate consumer '' as of XX/XX/XXXX. However, I called them on XX/XX/XXXX and the representative, XXXX, stated that this was likely an incorrect reporting and that I should report it to the credit agencies as well as write them a letter. This account continues to impact credit decisions, when it shouldn't. I was not involved in including this in my ex-husband 's bankruptcy and have explained to XXXX XXXX and Comenity Bank that I'm more than happy to continue making payments on this in order to not have it continue affecting my credit but they've agreed to make the change so it doesn't negatively impact my credit.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX FL XXXX, NY XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (VA)

I was informed by SunTrust on XX/XX/XXXX that The premium ( MPI ) will be eligible for deletion after XX/XX/XXXX and when your principal balance reaches a LTV of 78 % or % XXXX However, I received a statement from SunTrust Mortgage yesterday stating that As of XX/XX/XXXX your home has gained sufficient equity to eliminate the FHA monthly insurance premium I do not appreciate being given contradictory information. Apparently, SunTrust 's marketing staff and the persons administering its mortgages dont communicate with each other.
Consumer complaint received 2022-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I need to report identity theft. I already contacted the credit bureaus and the companies associated with the closed accounts that were in my name. I did not authorize Capital One in the amount of {$2000.00}, date XXXX closed XX/XX/XXXX nor XXXXXXXX XXXX in the amount of {$2600.00}, date opened XX/XX/XXXX closed XX/XX/XXXX.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge1263 XXXX XXXX XXXX FL XXXX, NY XXXX XXXX XXXXXXXX CARD  XXXX, XXXXXXXX CARD XXXX, XXXX CARD  XXXX, XXXX CARD XXXX, XXXX CARD XXXX
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: T.S. Holdings (CO)

THIS ACCOUNT HAS BEEN PAID IN FULL AND I HAVE A LETTER FROM THE CREDITOR STATING THAT THE ACCOUNT IS PAID TO A XXXX BALANCE AND THERE IS NO MORE RESPONSIBILTY OF ME TO THIS DEBT. I HAVE SENT THIS INFOMATION TO THE CREDIT BUREAUS, BUT THE ACCOUNT IS STILL REPORTING AN OPEN BALANCE. THE ACCOUNT SHOULD BE CLOSEED AND REMOVED
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

In XXXX, my ex-husband and I applied for a XXXX XXXX credit card account, which had a {XXXX} credit limit. On XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX granted our divorce. However, we did not include the XXXX XXXX account in our divorce due to an oversight, therefore, the account was never closed at the time of divorce. In XX/XX/XXXX, I tried logging in to make a payment on the XXXX XXXX account as I normally would do. On this particular date, I was unable to log into my account. The error stated that the account was locked due to the account being closed. I immediately called XXXX XXXX XXXX XXXX XXXX  ) to inquire about why the account was closed. They informed me that the account had been included in my ex-husband 's XXXX  XXXX bankruptcy case, therefore, the account was written off and closed. I asked if there was a way that I'd be able to keep the account open and continue making the payments, so it wouldn't affect my credit and was told that there was nothing I could do to reopen the account but that I could call back to make sure it wasn't reported negatively on my credit report. In XX/XX/XXXX, I called XXXX XXXX after noticing that my credit score had been impacted due to them reporting that the account was closed because of a bankruptcy filing. They agreed to change the reporting to simply show the account as closed. Which was reflected as such until recently. On or about XX/XX/XXXX, I noticed that my credit score dropped again due to a remark being added to the XXXX XXXX XXXX account again. Shortly thereafter, I received a letter from XXXX XXXX dated XX/XX/XXXX stating that they had received my letter dated XX/XX/XXXX, and that they had updated the reporting to the credit agencies. However, I never sent them a letter requesting such change, and they had already agreed to have it reported simply as closed due to my ex-husband having filed the bankruptcy not myself. Currently, the status of the account states that the " credit grantor can not locate consumer '' as of XX/XX/XXXX. However, I called them on XX/XX/XXXX and the representative, XXXX, stated that this was likely an incorrect reporting and that I should report it to the credit agencies as well as write them a letter. This account continues to impact credit decisions, when it shouldn't. I was not involved in including this in my ex-husband 's bankruptcy and have explained to XXXX XXXX and XXXX XXXX that I'm more than happy to continue making payments on this in order to not have it continue affecting my credit but they've agreed to make the change so it doesn't negatively impact my credit.
Consumer complaint received 2022-07-07
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. (CA)

XXXX XXXX Bank XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - In accordance with the fair credit reporting act 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 2023-06-20
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. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX 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 2022-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Last year I called all three credit Bureaus regarding the inquiries thats been reporting on my credit report. I informed them that Ive contacted the companies and that they aggressively to remove them but hasnt the credit bureaus transfer me to the fraud department and I was told that the matter would be taken care of and now I still see these inquiries on my report including more. Ive been trying to get a Mortgage loan and when I see my report I see more inquiries reporting on my credit from this year XXXX. I have the MyFICO app which told me that my personal information is on the desk web. The inquiries thats listed on XXXX : is XXXX XXXX  XXXX XXXX and XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX TRANSUNION Inquiries : 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  XX/XX/XXXX sXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX Inquiries : 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 XXXXXXXX. XXXX XXXX
Consumer complaint received 2021-05-12
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. (LA)

I would like to be provided investigation results and be provided validation of the accounts being reported on my credit report. It is my right as a consumer to dispute information that is inaccurate and false on my credit report, please investigate and send me my updated copy of my credit report to my current address. I will attach my letters regarding the information and accounts that I would like to be removed from my credit report below. I have unauthorized inquiries on my credit report that I have no contract or no affiliation with those creditors that's reporting on my report and other information that needs to be removed immediately.
Consumer complaint received 2022-01-21
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)

I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). Acct # XXXX, XXXX XXXXXXXX  XXXX XXXX, XXXX XXXX XXXX are accounts not to be listed on my credit file someone else used my identity.
Consumer complaint received 2021-05-12
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. (AR)

I have been having a very difficult time getting feedback from this credit agency. I have sent in the needed items, such as copies of driver license, birth certificate and current utility bill, to verify the items on the credit report are inaccurate. TransUnion is verifying items with personal information that is incorrect, which means it should not be on the credit report. This has caused my family and I great duress. I have gotten denied for housing, paying higher fees due to this inaccurate information. 

The Fair Credit Reporting Act, under 15 U.S.C. Sec. 1681i ( a ), TransUnion has failed to investigate and verify these items within 30 days. To also prove there was an investigation performed and just wrote of as an investigation.
Consumer complaint received 2020-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES (IL)

I had a shortage on my escrow account and the payment went up way more than 10 percent. When I tried to contact the lender to stretch my escrow shortage only for more than 12 months, the answer was NO, they can not. I don't understand WHY because every lender in America will provide help with this. 

My payment went up 20 percent. I guess PROVIDENT is out of touch with their clients. Also, I DO NOT want to beon COVID 19 plan which is the only thing their assistant XXXX recommended. Please help me.
Consumer complaint received 2021-05-12
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: Debt Recovery Solutions, LLC (CA)

I am aware of the oldest transaction that I took out money with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was about 2 years ago. It has been a while since I took out a loan due to being in school and pretty much they provide me with loans on behalf of the school. This new collection which is under the name of XXXX XXXX XXXX = Debt recovery solution is unrecognized due to never receiving letters which I should not due to not ever taking out another loan of {$310.00} by this company only XXXX XXXX XXXX XXXX. I tried disputing it with XXXX XXXX but they did not help. This new collection was recently placed back in XXXX and the new date that has changed to XX/XX/XXXX. I am always checking my credit due to having to keep track of the loans that I receive from the school which is how I noticed.
Consumer complaint received 2022-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

Attempted to use my Discover XXXX card and was declined. 
Called Discover directly, because I was confused and concerned that fraudulent activity may have occurred. 

Spoke with XXXX, who told me my account was closed for inactivity - he also said that correspondence was sent, along with an email. The last emailed recvd was XX/XX/20 & XX/XX/20, advising my covid relief had ended. I never received correspondence via US mail or any other shipping entity. 

I was then transferred to another XXXX who wanted me to apply for another card - adding insult to injury ... my score declined due to closure, and my score would decline if I applied for another card. 

An issue like this tends to be systemic and XXXX many times. It is exhausting as a minority to receive the same consideration that non - minorities take for granted. 

I am absolutely tired of being invisible and dismissed - all of my XXXX  scores are in the XXXX range. My wife and I have three other Discover accounts in excellent standing - this account was in excellent standing. 

I will also be filing a complaint with the FTC. It seems that I am only seen OR heard when I leverage goverment paths like the CFPB or FTC.
Consumer complaint received 2022-01-21
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. (FL)

I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). Acct # XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX are accounts not to be listed on my credit file someone else used my identity.
Consumer complaint received 2022-03-12
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Validate Account XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.