davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (MA)

US Bank has refused to work with me to assume or pay off my husband 's existing mortgage since he defaulted and we are still in divorce court. US Bank has ruined my professional reputation by advertising that they are foreclosing on me, even though they have told me that I am not on their mortgage or note, and owe them nothing. 
They have discriminated against me because I am female, I have been advised. 
I am requesting information on real estate attorneys who can help with foreclosures and bank fraud.
Consumer complaint received 2019-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

Regarding : XXXX XXXX XXXX {$970.00} Acct XXXX I don't believe this collections is being properly classified as medical/healthcare. I've RECORDED several phone calls with Experian which leads me to this conclusion. Each representative I talked to gave me a different excuse for why this isn't being classified as medical. The excuses I've received are as follows : 1 ) Because the name of the original creditor implies that it is medical, it is not important that it be classified as medical. 
( a ) This is FALSE. Per the commonly used " Credit Reporting Resource Guide '', medical collections MUST populate the " Creditor Classification ( K segment field 3 ) as  code 2 " Medical/Health care. 
( b ) Some FICO scoring versions score medical collections less harshly than regular collections accounts. There is no way I believe that the FICO model goes in and reads creditor names to decipher if it may or may not be medical. If it's not being properly classified as medical, then FICO does not treat it as medical!

- 2 ) Because the collection agency that is reporting the debt itself is not a part of the healthcare industry, it is not required to report it as medical.

( a ) Again this is FALSE. FCRA Section 623 ( a ) ( 9 ) explicitly states that both the original creditor AND its agent ( XXXX XXXX XXXX in this case ) must be classified as medical/healthcare. 
3 ) This collections account actually is already classified as medical but I just can't see it on the version of the credit report I'm referencing. The Experian representative promised to send me the " detailed '' version of my report that will show the classification. 
( a ) The report the Experian representative sent to me is the same report I already had. There is no additional " detail '' or anything else that references this account as a medical collections. 
( b ) If there is a more detailed report, I'd like you to send it to me ASAP and quit stalling me. I want FULL DISCLOSURE of everything in my credit file as required BY LAW. I don't trust you to do the right and ethical thing therefore I want to see EVERYTHING that you are currently suppressing from my report! 
Either your representatives are uninformed or unqualified for the job they're doing, or you're knowingly LYING to me about MY INFORMATION! 
My next step is to file a lawsuit!!!
Consumer complaint received 2018-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (TN)

American Express allowed my personal account be taken over and changed to a business account. I was a victim of fraud. American Express allowed the Fraudster to make unapproved cash transfers from my personal bank account that was linked to this American Express account. When I called American Express fraud line I was treated like I committed a crime. The bank transfers were done by phone calls from the fraudster to American Express customer service. They listen to the recorded lines and I was told the foreign voice did not match mine. A total of {$8000.00} was taken. I have yet to see resolution or return monies. My account was hacked for over $ XXXX from XXXX. I have never left the country. Most of charges have been removed and this took months as my account was frozen. I complaint to the CEO office for help. I never relieved any answers on how and why this happened. I have called several times and American Express has not be able to settle or help. I have made police reports and submitted all documents requested by American Express. My account is now with a collection agency. The fraud started on XX/XX/2017. This issue has been over a year and no resolution.
Consumer complaint received 2019-09-01
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CO)

I have opened a new Citi Accelarate Savings account on XX/XX/XXXX with {$49000.00} which had an advertised interest rate of 2.36 % APY. On XX/XX/XXXX I received an interest payment of {$1.00} which does not match the interest rate advertised by Citi bank at 2.36 % APY. The statement is reflected as .02 % interest rate. I have filed a complaint with the bank and was advised that it has been fixed on XX/XX/XXXX and the applicable interest will be deposited into the account. On XX/XX/XXXX another interest payment of {$67.00} was deposited into the account with the balance of {$50000.00}. And the rate on the XX/XX/2019 statement is showing as 1.59 % even though when I call customer service I am being told that my interest rate is 2.36 APY. When I log in online the rate in being hidden and not reflected on the online banking. I feel like I am being lied to and taken advantage for misinterpretation by Citi bank. I have called again on XX/XX/XXXX and filed another complaint and waiting another week for a unknown resolution. Please help!
Consumer complaint received 2019-09-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX a company that I thought was a computer repair company hacked my computer. They withdrew all my money from my checking and savings. I have lost {$8000.00} which is everything I had because I was gullible and believed they were there to help me. The companies name was XXXX
Consumer complaint received 2019-09-01
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I reported fraudulently charged transactions to my credit card company. I was informed that the card issuer successfully resolved the issues and completely chargeback those illegal charges. 
But, it seems that the card company commited a fraud by recharging me for those transactions that were successfully resolved already.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

According to US 1691 c ( 1 ) without my written consent that is considered identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-30
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. (CA)

Creditor : XXXXXXXX XXXX  XXXX Account : XXXX In accordance with the Fair Credit Act XXXX  Account has # XXXX has violated 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 consent.
Consumer complaint received 2018-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AR)

On XX/XX/2018 I filed a Police Report for identity theft due to several accounts that were reporting on all three of the major consumer reporting agencies. In addition, I've sent Equifax several letters, correspondence, and copy of my police report supporting my claim, with all the accounts in question listed on the police report. Since all accounts with the exception of one which is listed under XXXX XXXX still remains on my Equifax Credit Report. I sent a follow up letter to Equifax regarding this issue but have yet to receive a response. This account was previously removed and blocked from my XXXX and XXXX Credit report. Equifax continues to violate the Fair Credit Reporting Act by reporting this account which was established without my knowledge or consent to my credit file.
Consumer complaint received 2022-03-30
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. (OK)

Inquries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX In accordance to FCRA ( 1970 ) 15 U.S.C.1681 and CFPB. My latest credit inquIries are showing excessive amount of inquiries that I did not authorize.

15 U.S.C. 1681 section 602 A States I have the right to privacy.
Consumer complaint received 2018-11-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Peterson Enterprises, Inc. (WA)

On XX/XX/XXXX, I came outside to see that my car had a boot on it. There was a notice stating that I had 4 or more parking tickets in collections, and that due to your non responsiveness, your vehicle has been immobilized. I was told that if I did not pay the amount in full within 48 hours, my car would be impounded. 

I called XXXX XXXX XXXX, gave my name and my license plate number. I was told that there were NO tickets on file for that license plate number, and that I had tickets on my record for a different license plate. She asked if I had changed my license plate and I told her I had not, as I had this car for the past 4 years. I also mentioned that I had just received my tabs a week earlier, and that the DOL will not let you renew tabs if you have parking tickets in collections. She claims you must have got lucky then. I told her I have never once received a notification that I had anything in collections, so walking out to my car being locked should not be allowed. I was never given a chance to rectify the problem before it got out of hand. She told me they made one attempt to mail me a letter, and the letter was sent back to them. I informed her that the notice on my car stated that they made all proper attempts to contact and that i wanted to know what the other attempts were. She did not have an answer for me. 

She did have on record that I came to their office in XXXX of XXXX to pay off a ticket, but claims there were four others that didnt go on record until XXXX of XXXX, conveniently. 

I should not be held liable for late fees, interest fees, etc. when it is on record at XXXX XXXX that their one attempt at mailing me a letter was never received. They did not make full attempts, and originally told me that my tickets were on a DIFFERENT license plate number, although my tickets are from XXXX and XXXX and I have had my car since XXXX. 

They also said they can not show me where the parking tickets occurred but could give me a print out with the ticket number only, which I have attached. 

I worry that they are violating the law, and possibly the Fair Debt Collection Practices Act and would like this reviewer. 

Since I was threatened with getting my car impounded if not paid in full within 48 hours, I took an advance on my paycheck to cover the cost and I had to miss work on XX/XX/XXXX and will be missing school on XX/XX/XXXX waiting for the boot to be removed. 

Thank you for your time.
Consumer complaint received 2024-03-27
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Alorica Inc. (FL)

This company is non stop harassing its customers. Go to XXXX and you will see the amount of complaints. This company took over servicing loans from XXXX XXXX. We were told by XXXX XXXX that anyone on autopay would continue to be on autopay, nothing was required on our end. This company continues to take the payments on a regular basis ( I have the transactions to provide it ). Yet, they text and call and email multiple times a week asking you to make a payment, telling you you missed payments, REPORTING late payments. It is beyond unethical and honestly, I cant believe they have any legal ground to do this. It is beyond harassment at this point. They false credit reporting itself should be enough to shut this place down forever.
Consumer complaint received 2022-07-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

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

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
XXXX XXXX & XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Consumer complaint received 2019-09-01
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. (FL)

I had a vehicle lease through XXXX ( XXXX XXXX XXXX XXXX ) for 36 months, my lease ended XX/XX/2019, I had called XXXX several times to ask information about the end of my lease, I was told to get the vehicle inspected with the company that they had provided, after inspection I can return the vehicle anytime between XX/XX/XXXX and XX/XX/XXXX because they offer 10 days grace period. I did everything that was asked of me to do. Ireturned the vehicle on XX/XX/2019 ( still within my grace period ). About 3 weeks later I received several phone calls from a rude agent named XXXX from XXXX Collection department stating that I was late on my lease payment and that I needed to pay the amount owed within the next few days. I explained to him that my monthly bill was always being deducted automatically from my bank account, I had made all my payments in full and on time, I also informed him that the car was returned back in XX/XX/2019. He was adamant that I owed the monthly payment, and the car was never returned to XXXX. After going back and forth with me for several minutes I decided that I didnt like the tone at which he was speaking to me and I wanted to speak to someone else. Finally another agent got on the phone to inform me that the dealership did not finish the paperwork for my lease return and as far as they know I owe the monthly payment. Few days later I got a notification that XXXX reported a late payment ( 30 days past due ) to all 3 credit bureaus ; at this point, I was livid I called XXXX again the representative told me that I have never been late and he does not know what Im talking about. All the employees are so rude ( XXXX, XXXX ) and do not care to properly answer any of the questions asked by the customer. It is unfortunate that a big company like XXXX chooses to report fraudulent information on peoples credit report. XXXX is nothing but FRAUD FRAUD FRAUD!
Consumer complaint received 2022-02-22
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. (PA)

My name is XXXX XXXX. I am writing this to say I noticed many incorrect and unauthorized items appeared in my report. I have tried time and time again to get your company to comply to my request. I am requesting that you delete all the following ACCOUNTS/BANKRUPTCY/INQUIRIES AND XXXX XXXX along with LATE PAYMENTS that are inaccurate and that were not approved to report to my report under my consent. These items also do not report the same on all 3 bureaus so they need to be deleted or I will seek monetary compensation of {$1000.00} per violation on my report. Please remove the negative items from my credit report immediately.
Consumer complaint received 2019-09-01
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: Experian Information Solutions Inc. (OR)

XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Banks and s & ls Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Banks and s & ls Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business  Type All banks XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX, XXXX, EXPERIAN XXXX XXXX/XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Miscellaneous XXXX  XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX EXPERIAN XXXX XXXX/XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX EXPERIAN XXXX - XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type National credit card cos. 

XXXX XXXX - XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type National credit card cos. 



XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX EXPERIAN XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards
Consumer complaint received 2019-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (OK)

We purchased a new home before the sale of our current home was final. The loan for the new home included PMI. Our former home has sold, we have paid off {$140000.00} of the {$180000.00} loan and want to cancel the PMI. The bank is telling me we have to pay a fee of {$120.00} to cancel this insurance. This was not disclosed to us at the time, even though the loan officer was aware that we would be paying off the majority of the loan within a few months. Since the bank required us to have this insurance, can they require and charge us a fee to cancel it even though we meet the guidelines required to cancel?
Consumer complaint received 2019-09-01
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. (OR)

XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Banks and s & ls Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Banks and s & ls Inquiry Date XX/XX/XXXXRemoval Date XX/XX/XXXX Business Type All banks XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX EQUIFAX, XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Miscellaneous EQUIFAX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX XXXX XXXX Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX - XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type National credit card cos. 

EQUIFAX XXXX - XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type National credit card cos. 



XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards