davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-18
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. (MD)

Hello, my name is XXXX XXXX XXXX, I am contacting you because I have found some information that is inaccurate on my credit report. 
This account was never paid late as it is reported. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : XXXX XXXX # XXXX or credit card ending # XXXX After doing so please provide me with an updated credit report reflecting the changes. 
I reported inaccurate information to Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
In case you can not verify this item pursuant to the FCRA and it continues to show up on my credit report, I shall find it necessary to sue you for actual defamation damages and declaratory relief under the FCRA. As per this regulation, I may sue you in any qualified state or federal court, including small claims court in my area Based on, These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 
Fraudulent Account XXXX XXXX Account Number : XXXX or credit card ending # XXXX Account Opened : XX/XX/2014 Balance : {$0.00} Account paid off and closed
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (TX)

Hi I just received the responses from US Bank to my third complaint filed on this matter. I have sent this in my feedback but I have to open another complaint as US Bank didn't address all my questions. And also I can not keep waiting as this investigation has taken over a year, which is insane. So I just wanted to let US Bank know that I will unfortunately have to sue US Bank if they still aren't able to return my funds including loss accrued interest in the next month or so. 


Please find my responses below as well : XXXX. The letter says the investigation can take up to a year. The investigation on this matter has taken over a year. So it has past the 1 year timeframe US bank stated in the letter ; XXXX. Similarly, US Bank kept saying the process can take up to 90 business days to complete. It has been over a year ; XXXX. Based on the response my lawyer received from the XXXX XXXX, they actually responded to US bank in XX/XX/XXXX ( not XX/XX/XXXX ) and denied to return the funds. And the reason for their denial was because US bank didn't notify them within the 30 day window. In the letter, US Bank agreed that if XXXX XXXX is unable to return the funds, they will reissue me the check. 
XXXX. I am requesting not only the {$1500.00} to be returned to me, but also the lost accrued interest. And US bank didn't address that in their response ; XXXX. This case has been long over due ( first found out the check was stolen in XX/XX/XXXX and notified US Bank immediately ). Again it was US bank 's responsibility for not being able to notify XXXX XXXX on time. Please return my money. US bank should try to recover the funds from XXXX XXXX but I should no longer be part of this process. 
XXXX. Please also respond to my lawyer 's demand letter. We will unfortunately have to sue US bank if we don't get the funds back in the next month or so.
Consumer complaint received 2022-12-05
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Experian has repeatedly denied my dispute requests and refused to open disputes via online and certified mail submissions. This is regarding accounts : * XXXX XXXX XXXX XXXX {$1600.00} original Texas XXXX XXXX which was paid by XXXX XXXX on XX/XX/21. 
XXXX XXXX XXXX CO XXXX Original UT XXXX {$82.00} XX/XX/XXXX XXXX XXXX originalXX/XX/XXXXXXXX {$600.00} I demand deletion of these accounts as I requested dispute and they have not coooperated.
Consumer complaint received 2021-09-24
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. (CA)

DESPITE DISPUTING WITH ALL 3 BUREAUS FOR THE PAST YEAR ONLY CERTAIN ACCOUNTS HAVE BEEN REMOVED FROM MY CREDIT REPORT. ALL CORRESPONDENCE HAVE BEEN VIA CERTIFIED MAIL, I'VE EVEN WENT TO THE LENGTHS OF HAVING THESE LETTERS PROVING FCRA VIOLATIONS NOTARIZED. PLEASE REVIEW ATTACHED.
Consumer complaint received 2022-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (VA)

On XXXX XX/XX/XXXX, I mailed my first mortgage payment in the amount of {$1900.00}, to pay ontime for XXXX XX/XX/XXXX. By XXXX XX/XX/XXXX, I realized that my check had not cleared with my credit union. So, on the same date, contacted AmeriSave. Below is my email response after learning of AmeriSave 's issues with picking up their mail " It was a pleasure speaking with you as well via telephone. During our conversation on a recorded line, as you noted, I stated to you that I mailed my XX/XX/XXXX mortgage payment to your AmeriSave XXXX address on XX/XX/XXXX. You responded stating that we ( Amerisave ) have had problems with the delivery of mail and that I would not be charged a late fee. Although you provided me with options to make my XX/XX/XXXX mortgage payment, I chose not to take any further action since I was not aware of your problem with mail delivery. The operation of AmeriSave is disconcerting when my check has not cleared in over 25 days. Any business that I am aware of would be concerned about their cash flow. I truly appreciated you returning my two phone calls to AmeriSave yesterday and providing me with pertinent information to begin XX/XX/XXXX, the electronic processing of my mortgage payment. Thank you for your professionalism and courtesy. '' On XXXX XX/XX/XXXX, I received a mortgage statement. The statement does not show my XX/XX/XXXX payment. It shows that the payment due is {$3800.00}.
Consumer complaint received 2021-09-24
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. (TX)

I filed an FCC Identity Theft report and forwarded the documents to Transunion. By Law, The entries were entailed in my dispute letter and must be removed/blocked within 4 days of the Bureau receiving the documents. Transunion received the documents by USPS certified mail on XX/XX/21. The date as of today is XX/XX/21, yet Transunion refuses to comply by FCC and FCRA compliance laws and block the accounts. The fradulent tradeline is XXXX XXXX XXXX. The fraudulent inquirees came from, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-02-12
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. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The following accounts were obtained through identity theft. I have sent police report, my id, copy of a bill, and social security card. The bureaus still will not remove the accounts. 

Accounts are XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Department of Education, XXXX, XXXX XXXX, and XXXX XXXX XXXX. 

I will precede will legal action if this matter isn't resolved. It's been over a year and still no results.
Consumer complaint received 2022-01-29
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. (NY)

Transunion Unauthorized Inquiries Inquiry details XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XX/XX/XXXX ( Bank XXXX XX/XX/XXXX 2021
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Back in XXXX, I applied for a deferral on our 2nd mortgage ( HELOC ) due to being out of work and having no money coming in. Prior to XXXX, our account was current and had no late payments that would affect our credit. I was unable to make payments for XXXX, XXXX, and XXXX. I brought our account current and paid the 3 months of deferral in full. When looking into refinancing our home in early XXXX, we noticed our credit has dropped when looking at our credit on XXXX and Bank of America showed that we had missed payments during our requested deferral period. I called Bank of America in mid XXXX to find out why. They told me that my account was current and didn't see any deferral or late charges. After explaining what we were seeing on the credit karma app, and that we were confused why missed payments would be reported to the credit bureau while in a deferral when we were told a deferral would not affect our credit is when we were concerned and why I was calling. I was transferred to different departments, and at times disconnected. Eventually, I was told we had a case manager by the name of XXXX XXXX. When trying to contact him to hopefully get answers, no one had heard of him or knew who he was so I was never put in contact with him. I finally talked to someone who was unable to find anything to show that I put in a deferment request and she told me I was not the only person this happened to. She suggested I request a letter to state that we are in good standing. I did so and we were denied and said that we could appeal it with a written letter. I wrote a letter to appeal it and have not heard anything back and it has been almost 3 weeks since sending that letter.
Consumer complaint received 2016-12-09
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: The CMI Group, Inc. (CA)

get XXXX calls from the following number daily XXXX Belongs to The Offices of Credit Management , LP XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2022-01-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Advance Bureau of Collections (GA)

The insurance company paid the dental office, i was covered and provided my insurance information to the sensual office the day of the cleaning, when looking on my credit report it doesnt have an amount on it. The report just the collection company name. I have Been trying to resolve this and get it removed.
Consumer complaint received 2020-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KINGS CREDIT SERVICES (MA)

Paid the account got the documents stated I paid but the credit card company willnt take it off my credit it still say need to pay and late payments XXXX XXXX and XXXX XXXX on my credit it says XXXX
Consumer complaint received 2021-09-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I called on XXXX XXXX after receiving my escrow statement showing that my payment would be increased due to property taxes. I am a XXXX XXXX veteran with a property tax exemption letter on my file that has been turned in to this company more than once as this issue has come up more than once. I have had to deal with getting my property taxes removed and escrow taken care of before. I refinanced earlier this year and if they backtrack looking at my account I am sure there is a record and paper trail of it being verified and the documentation and them seeing the property taxes being taken off. I called today XX/XX/XXXXas I was told it would be completed by today and it was even verified on the phone it takes 7 business days which comes out to today as seven business days. My mortgage has been with this company for quite some time so I do not know what the issue is or who is not doing their job but I should not keep having this issue. This needs to be rectified once and for all.
Consumer complaint received 2020-02-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

This was investigated for 1 day before shooting me down. My only recourse at this point is to file a law suit against all the proper channels inwhich is involved and has caused me pain and suffering due to a lack of investigation and failing to apply the law as it should to this particular situation. And, again my problem is that an account ( XXXX XXXX ) was removed from my report files XXXX of XXXX, but sometime without warning it reappeared XX/XX/XXXX. As a general rule whenever an account is reinserted on ones credit file, the consumer should be notified within 5 days, and this did not happen, instead it was reinserted, why?, especially when there's already a police report attached to my files stated the about account is fraudulent and this XXXX XXXX account shall be permanently and immediately blocked and removed from my credit file.
Consumer complaint received 2020-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (KS)

This regarding dispute number XXXX. 

The purchase price for this item was {$27.00} on XX/XX/2020. I disputed {$9.00} on XX/XX/2020 due to the item not arriving within the advertised time ( was advertised expedited shipping ). and a permanent credit was issued on XX/XX/2020, although a conditional credit for dispute showed up on my transaction history and my statement. 

The seller agreed to remove the {$9.00} charge if the negative feedback I left was removed. I told her I wasn't removing it because the review was accurate. She then contacted XXXX and they removed the feedback because the item was delivered, even though it clearly was not within the advertised timeframe. The seller clearly had the opportunity to respond to the feedback, apologize for the delay, blame it on the post office, and say she was giving me a refund. She also claimed I didn't pick it up the day before. The post office never tried to deliver it the day before despite the postal history summary ; the package did not need to be signed for. The post office messed up. I have repeatedly tried to contact the post office about this problem through their website and by phone to find out why this wasn't properly delivered and I have not heard back from them. You can reference the tracking number by going to USPS,  XXXX. 

It would have made her look better as a seller than a 100 % positive rating. I'll never believe XXXX 's rating system again. 

She also replied to me through XXXX 's messaging system that my feedback was unfair and was going to be bad karma. I complained to XXXX  about removing my feedback and the seller 's unprofessional comments through messaging, and they apologized and stated they would directly address her behavior. I also filed a XXXX   report against XXXX for removing accurate feedback as well as an attorney general report with the state of California. I have had other issues with XXXX  as well much like this one. Through the XXXX, they also apologized and issued a {$10.00} credit for me to keep shopping with them. All of this is on file with the AG 's office in California. 

I have e-mailed the supporting documentation for the refund to billing disputes on XX/XX/2020. I need Citibank to be clear that this dispute was not coded as mispresented. The seller clearly offered a refund, I had to dispute the item because of her tone ( I was concerned she wasn't going to issue the refund despite the agreement ), and either way, her negative feedback was removed. I literally can not believe she tried to renegotiate a better rating for removing the shipping fee. In addition, she can clearly obtain a refund on the shipping fee through the post office.

Plus, Citibank has been terrible with their dispute process on my account, so I need certainty. 

I am including all supporting documentation. If Citibank needs additional documentation, I will get them what they need.
Consumer complaint received 2020-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (SC)

My PMI was cancelled on XX/XX/XXXX as per a letter received from Newrez on XX/XX/XXXX. We are in XX/XX/XXXX and Newrez is STILL charging me the PMI premium, only this time it has INCREASED to {$190.00} from {$120.00}. 
I have asked multiple times to update the payment amount, but to no avail. 

I have emailed the company on : XX/XX/XXXX - No response XX/XX/XXXX - No response XX/XX/XXXX - No response XX/XX/XXXX - No response. 

I have called the company on : XX/XX/XXXX - Rep said it had not been 2-3 weeks for the payment to be updated. To me, XX/XX/XXXX to XX/XX/XXXX, that's OVER 3 weeks. 
XX/XX/XXXX - Rep said an escrow analysis was ongoing and would be done by XX/XX/XXXX. She also said it was ok to pay as late as XX/XX/XXXX. 
XX/XX/XXXX - Talked and explained problem to one rep. Was transferred and had to explain same problem to another rep. Said PMI is paid in arrears. Rep apologized for confusion, saying I have a grace period until the XX/XX/XXXX, not the XX/XX/XXXX as stated by other rep on XX/XX/XXXX. On hold while rep is seeking advice with supervisor. Supervisor never manifested himself/herself. Hung up with promise from rep she would follow-up. 

Today is XX/XX/XXXX. My payment is due and I STILL do not have the amount without the PMI premium which was removed on XX/XX/XXXX.
Consumer complaint received 2020-02-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX I spoke to XXXX requesting XXXX  XXXX Data  used to pay my creditcard be removed. I would Not be paying on Ideninity Theft Unresolved Fraud Anymore. I have submitted Over {$3.00}, XXXX FRAUD reports to USAA. USAA HAS NEVER CREDITED THE FRAUD so I stopped paying on it. Frauds Not Resolved are : XX/XX/XXXX- XX/XX/XXXX XXXX charges total {$470.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All XX/XX/XXXX XXXX charges total {$470.00}. USAA used my XXXX  XXXX Data  prior to removing it making a {$3.00}, XXXX PAYMENT I DID NOT AUTHORIZE. This caused {$2300.00} OVERDRAFTS of social security funds to live off of for the next 3 months USAA STOLE MONEY NOT OWED ( fraud ) leaving me liable for fraud and no money to pay rent or buy food.
Consumer complaint received 2020-02-12
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. (PA)

I mailed a dispute letter to the Equifax credit reporting agency on XX/XX/XXXX asking them to verify the 17 negative accounts that appear on my credit report. I included another notarized page with clear photocopies of my drivers license and social security card. As of XX/XX/XXXX I have received nothing from Equifax in response to my letter. I should also note that I have received reponses from the other two major credit reporting agencies within the 30 day time limit. 

I am including with this complaint a copy of the dispute letter that I sent to Equifax and a copy of the Ceritified Mail Receipt. Equifax received the letter on XX/XX/XXXX.