davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-14
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. (TX)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CURO Intermediate Holdings (WI)

I have been disputing an item with speedy cash for the last 6 months and I was getting nowhere. It ruined my credit, reputation and ability to get any credit for my personal use and for my small business I had just started. Speedy Cash denied and refused to budge, the credit bureau and even you guys refused to listen or help. Now, I have the written agreement and they are now fixing the issue by stating the correct information on my credit reports. 
However, that is still not fair to me and that is not the end of the matter. I have been tremendously affected by this and still can not get any credit to save my life. My credit score is XXXX, i have a 100 % payment history. I am not getting turned away due to too many inquiries. My family is going to drowned in debt and end up XXXX XXXXXXXX XXXX soon if I am not able to secure some sort of funding to get capital for my business OR a loan for a vehicle to get a job! Yet nobody seems to understand or care about that. 
I live in a small town with no public transportation at all, no XXXX no nothing. I have done nothing wrong and everything to prove my credit worthiness but untill speedy cash goes back and tells everyone that I cant get any help. 

I am begging for somone to take a look at this. I need help. And if im the one in the wrong then please tell me so i can understand why and then leave it alone.
Consumer complaint received 2021-12-14
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: Fidelity National Information Services, Inc. (FNIS) (CA)

i do not have a XXXX checking account, someone opened a checking account in my name XX/XX/XXXX which was later closed XX/XX/XXXX. The phone number XXXX does not belong to me, the address the account is registered to i do not and have not lived at this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-12-14
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: Early Warning Services, LLC (CA)

i do not have a XXXX checking account, someone opened a checking account in my name XX/XX/XXXX which was later closed XX/XX/XXXX. The phone number XXXX does not belong to me, the address the account is registered to i do not and have not lived at this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PLANET HOME LENDING, LLC (AZ)

Mortgage which Im a cosignor on was reported late XX/XX/XXXX and went into forbearance XX/XX/XXXX til XX/XX/XXXX. It is now current and in good standing. We were never informed that the XXXX late payment would be repeated over and over during the forbearance period, instead of being reported as 1 30 day late on our credit reports, it is being reported as 14 consecutive 30 day late payments. We asked for the recorded phone conversation with their agent to prove that we were misled/lied to, but they have failed to produce it. This has devastated our credit. Although we are now current, on Auto pay, and being hit by a once in a 100yr pandemic they will not work with us to change this. We feel it should show 1 late and NR during the forbearance period. Thank You
Consumer complaint received 2021-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (RI)

Hi, I received my monthly statement on my Citibank double cash credit card and noticed 4 transactions from XXXX that I know I did not make. The amounts of them were {$73.00} on XX/XX/2021, {$85.00} on XX/XX/2021, and {$110.00} on XX/XX/2021. I promptly called Citibank on Saturday XX/XX/2021 @ XXXX XXXX  EST. And it lasted 18 minutes. While on the phone with the representative I told him about the 4 fraudulent charges from XXXX, 1 of which was reversed by them, and he said he was marking those other 3 charges that had not been reversed as fraudulent and they will be investigated by their fraud team. Everything with that part was fine. Its all as it should be. My problem occurred right after he told me that part about the fraud department investigating them he then informed me that the investigation can take up to 30 days so they recommend I pay the full balance if I do not want to be charged interest on the fraudulent charges. This is regardless of me staying that I believe they are fraudulent because all my XXXX charges get out on my XXXX XXXX card specifically for the purpose of being able to pay over time with 0 % interest or earn a lot of points. It doesnt make sense. If Citi says they offer zero fraud liability protection on my credit card which, they claim they do, then those three items should be taken off my statement and moved to zone for the fraud department and they can accrue interest if they want while in there but, not in my current statement. I know that once the investigation is done these items will be declared fraudulent because I didnt make those charges on XXXX on my Citibank card. So I wouldnt have a problem with that. But the rep specifically told me that if I dont pay the full balance I will be charged interest which will be reported to the credit bureaus. This bothers me and I feel like Citi lied about zero fraud liability on my card as I reported the fraudulent charges but, they still charge me interest on these fraudulent items until their investigation is over which can take up to 30 days. And in that time can report that to the credit bureaus. I pay my bill in full every month so as not to be charged interest and not have that reported to the credit bureaus. It just seems like a lie that citi says they provide zero fraud liability yet they still recommend / encourage you to pay the balance so as not to be charged interest on the fraudulent charges. The rep couldnt do anything about that he said he was just informing me of the policy. I think its wrong and misleading to claim they have a zero fraud liability but, then not say that youll still be responsible for the interest on them.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is a notice of Cease and Desist. Violating this code is a violation of the FDCPA. Transunion will be civilly liable under Title 15 US Code 1692. If Transunion fail to abide by my cease and desist order I the natural person and consumer has had my rights violated by Transunion. I will also be mailing the physical cease and desist as an exibit
Consumer complaint received 2021-12-14
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. (TX)

I am requesting statements of all of my late payments that are reporting to all of my credit reports. I noticed that I have several late payments reporting that I do not recall. This is negatively affecting my credit score and keeping me from purchasing a home.
Consumer complaint received 2021-08-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

XXXX has been reporting my negative account over 7 yrs. they have made false reports about account being late 4 after years. i was late for payment first year of loan and they arrear balance..fcra states 7 years. i disputed information with XXXX XXXX  and equifax. stating first late payment was XXXX..when first late payment was XXXX..due to hardship i was going thru. unable make payment they agree to arrear two months payments XXXX wish have remove immediately from all credit agencies.
Consumer complaint received 2021-12-14
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: Fidelity National Information Services, Inc. (FNIS) (CA)

There is an account open from XXXX XXXX in my name which i never opened and i would like deleted from my consumer report and to stop being reported to XXXX The information linked to this account is a phone number which does not belong to me XXXX and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX which is not my address. This account was opened XX/XX/2017 and was closed XX/XX/2017 and still has not been removed from my consumer report despite it being fraudulently opened without my permission.
Consumer complaint received 2021-12-14
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX SELF / LEAD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-09
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. (PA)

Failure to provide documentation : Requesting Verification of Information and Evidence of Permissible Purpose Pursuant to 15 USC 1681b The specific accounts and inquiries I am referring to are : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX
Consumer complaint received 2021-12-14
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. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX - XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX on XX/XX/2021 2021
Consumer complaint received 2021-12-14
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: MUFG AMERICAS HOLDINGS CORPORATION (CA)

There is an account open from UNION BANK in my name which i never opened and i would like deleted from my consumer report and to stop being reported to XXXX The information linked to this account is a phone number which does not belong to me XXXX and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX which is not my address. This account was opened XX/XX/2017 and was closed XX/XX/2017 and still has not been removed from my consumer report despite it being fraudulently opened without my permission.
Consumer complaint received 2021-08-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Giving a complaint to credit card companies that dont charge me too much interested fees and too much money for a XXXX XXXX  and not listening to them when when they explaining that they understand the rules about charges and credit cards and paying lots of money and store credit cards and Walmart credit cards store credit cards in charging me lots of money and Walmart credit card Im not listening to me that I have XXXX XXXX XXXX XXXXAnd getting my money back I have {$700.00} or {$800.00} back for a complaint I want my money back to me by Chack by mail XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX
Consumer complaint received 2015-05-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (CA)

My Stearns loan is being serviced by XXXX. I never had an escrow agreement for XXXX to pay my insurance or property taxes. But they started paying my taxes, unknown to me. I was also paying my taxes. I paid all my monthly mortgage payments on time, but they kept part of it and so did not apply it to my loan. When I called in they would say they did not have proof of insurance so XXXX times I faxed it in, and customer service would say they would correct it. This never happened and so the loan kept showing in arrrears. Even though I have never missed a payment, my due date remained unchanged at XXXX XXXX, 2014. It was placed in default and I eventually had to pay what they said was the balance due to clear it. As a result, my credit was damaged as it kept showing late payments and default. The loan is now current but there is still the erroneous late reportings. I have never missed a payment, but XXXX has grossly mismanaged this account and caused the missed payment reportings to the bureaus.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I had XXXX student loan accounts with you. On my credit report, it shows late payments back in 2015. Could you please provide me with proof that I was late on my payments? These late payments are damaging my credit score & affecting my getting approved for a home loan.
Consumer complaint received 2019-11-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M&T BANK CORPORATION (MD)

I closed my credit card and checking account with M & T in XX/XX/2019. The balances of both accounts was {$0.00} when they were closed and I was informed by the bank that no further charges could be made on the accounts. On XX/XX/2019, I received notices from credit monitoring services of a past due amount associated with the credit card account. I do not have access to this account and received no notifications related to any collection attempts. In addition, there should be no balance since I closed the account at {$0.00} and your bank should not have accepted any further charges, consist with what I was told when I closed the account. 

I contacted the bank via email ( XXXX ) on XX/XX/XXXX and have not received a response. I called the customer service line ( XXXX ) and spoke with XXXX on XX/XX/XXXX and discovered that the total balance due was approximately {$100.00}, with {$35.00} of that being from late fees, {$57.00} in charges, and the remaining amount being from interest. The customer service department agreed to reverse the late fee and forwarded me to the collections department to discuss the balance due. I spoke with XXXX in collections and was informed that the account was no longer accessible to the collections department. She indicated that the company 's policy was to keep the account 3 months in collections and 3 months in recovery, but my account had apparently been handed off to collections after 3 months and M & T no longer had access to it. To reiterate, I have not received any notifications of any type from either the bank or a collection agency.
Consumer complaint received 2019-04-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation (PA)

XX/XX/19 my direct deposit was due into card as of today it's not there. XXXXXXXX XXXXXXXX is literally holding my money from my from a mistake they've made!
Consumer complaint received 2021-12-14
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. (CT)

I sent a request of verification concerning a unauthorized inquiry i demand full verification and process of verification under the guidelines of the FCRA and my request has not been met in a timely manner according to the FCRA it has been way over 30 days and according to the FCRA that item must be deleted if not verified within a timely manner
Consumer complaint received 2021-12-14
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: Early Warning Services, LLC (CA)

XXXX XXXX XXXX has been constantly charging or withdrawing money from my account for multiple years which lead me to requesting an account closure. However the account is reported to EarlyWarningServices as a closed account by the granter. This information is incorrect and EarlyWarningServices verified that the information about insufficient funds from XXXX to XXXX are inaccurate.
Consumer complaint received 2021-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

On XX/XX/XXXX, I deposited a Cashiers Check in the amount of {$25000.00}. The bank made {$5000.00} available but put a hold for the remaining {$19000.00}. The hold is until XX/XX/XXXX. However, I called the issuing bank and they stated that the funds cleared on XX/XX/XXXX. This means that Bank of America has my money but will not release it to me. This is unethical. They are making money off my deposit while I am in debt and have zero financial resources. This is an abuse of their power and excessive to say the least.
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Persolve, LLC - Legal - Series 2 (FL)

I have tried to reach out to Persolve Legal Group several times requesting them to provide me with an interest disclosure and a break down of how the interest is being accumulated on my credit report after several requests they refuse to disclose this information so I am under the suspicion that they may be charging more interest than legally allowed based on the contract they purchased from XXXX. 

I have requested this information XX/XX/2021, XX/XX/2021, and XX/XX/2021. 

The balances reported on my credit report are also reporting inaccurately which I have contested several times without response. I have seen a change in balance since I settled with Persolve legal group in court however the balance reflected is still reporting inaccurately whenever I contact this company by phone the representatives hang up on my immediately when I ask for a detailed billing history.
Consumer complaint received 2022-03-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (NY)

I applied to refinance my current mortgage with TD Bank. I was not able to complete the process as the Appraiser for the bank under valued /depreciated my CO-OP unit. 
I believe that it was discriminatory and deliberately done. I spent a lot of time and effort trying to get this done.
Consumer complaint received 2021-08-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (NY)

On XXXX XXXX I did a wire transfer of {$18000.00} from XXXX XXXX  to Gemini, but I realized that was a scam/fraud in XX/XX/2021, and submitted a recall on my bank right the way, my bank also tried multiple times to recall the money back from Gemini, but they never responded. It's been almost one month now, still no responses from Gemini. If they can response right the way when I reported on XX/XX/2021, it should be an easy return, But they never do anything until now.
Consumer complaint received 2021-08-26
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. (GA)

Due to Identity theft there are fraudulent entries listed on my credit report. I have notified the credit bureaus and I've provided a police report, however the matter has not been addressed by Experian. 

Addresses to be removed : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Accounts to be removed : XXXX XXXX  / XXXX
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

There is an account showing on my credit file that indicates it's in dispute. I have requested several times for that verbiage to be removed. I AM NOT DISPUTING THE ACCOUNT. I called XXXX  personally and they said it's not listed in dispute but when my lender spoke with the business side they said it was. I do not know which bureau is reporting this because the lender pulled a tri-merge but I need it removed ASAP. I am unable to refinance my house due to this error and if this is not resolved ASAP I will go to the States Attorney 's office to get this resolved. I am loosing so much money and this is putting a major hardship on my family