davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
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)

In accordance with the Fair Credit Reporting Act. The List of account below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX has violated my rights.

15 U.S.C 1681 Sec. 602 A. States : I have the right to privacy.

15U.S.c 1681 Sec. 604 A Sec. 2. Sates : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) States : No consumer reporting agency may make a report containing any of the following items of information, Any 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 ) States : 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 2022-01-25
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. (FL)

Evaluate this account : XXXX XXXX Balance {$120.00} reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why is it that there is a {$120.00} balance indicating if it is a charge off account.
Consumer complaint received 2022-01-25
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. (FL)

Evaluate this account : XXXX XXXX XXXX {$120.00} reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why is it that there is a {$120.00} balance indicating if it is a charge off account.
Consumer complaint received 2022-01-25
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. (FL)

Evaluate this account : XXXX XXXX Balance {$120.00} reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why is it that there is a {$120.00} balance indicating if it is a charge off account.
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (MI)

I was a Simple bank customer for several years. Simple shut down and all accounts were transferred to BBVA on XX/XX/XXXX I thought I would give the new bank a shot. Instead, I've been locked out of my account with no access to funds for 4+ days. They're not answering the phone. I've called 3 times with more than 1 hour wait times. 

They're not emailing customers about the problems. We have to follow XXXX to get updates, and they're not telling us when the problem will be fixed. All they're tweeting about is the call center availability. 

Thousands of people are without access to their money right now.
Consumer complaint received 2021-05-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: GOLDMAN SACHS BANK USA (NY)

Dear CFPB, I provided on-line instructions to Goldman Sachs Bank USA ( doing business as XXXX ) to close my CD account ending in XXXX and transfer the proceeds to my savings account upon maturity. Instead, the bank renewed the CD account into a new 5-year term. When I find out I called the bank to complain, but they would not remediate this problem. The banks systems may not be working well, so Ill have to make sure I conduct all business on the phone and get a confirmation number. 

XXXX charged me {$120.00} and Id like to be reimbursed for this because I believe that this error in renewing my account when I expressly provided other instructions is negligent at best and illegal at worst. 

Sincerely yours, XXXX XXXX
Consumer complaint received 2023-07-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC (KS)

On Feburary XXXX, XXXX, I sent a Revocation of Authority to Initiate Electronic Funds Transactions to Explore Credit and can confirm that they received the document ( attached to this complaint ). On XX/XX/XXXX. XXXX, Explore Credit debited {$150.00}. I never authorized this transaction or rescinded the Revocation of Authority to Initiate Electronic Funds Transactions.
Consumer complaint received 2022-04-09
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. (FL)

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 2021-05-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

i made XXXX payment {$1500.00} on XX/XX/XXXX, i made XXXX payment {$1500.00} on XX/XX/XXXX, i made XXXX payment {$1500.00} on XX/XX/XXXX, all XXXX they applied my XXXX payment as a mortgage payment. which is correct, they applied my XXXX payment as a mortgage payment. which is correct. but they applied my XXXX payment as additional principal which is NOT correct. I discovered it because i was about to pay XXXX payment. i called three different days and talked to three different clerks. monday, XX/XX/XXXX, talked to XXXX at XXXX. he said it would be fixed in a few hours. tuesday, XX/XX/XXXX, i talked to XXXX at XXXX. she said that she couldnt do anything because its processing from monday. wednesday, XX/XX/XXXX, i talked to XXXX at XXXX, she stated that's she was having problems processing it and wanted my phone number to call me back when it was completed. i've had trouble with this company before and its not a good company. my opinion from being a mortgage holder. i need them to correct the last payment on XX/XX/XXXX and apply that for the mortgage payment as i had submitted it on their website. i submitted as a mortgage paymt. but someone changed it to additional principal. as you can see, they all are the same mortgage payment amount. i want them to fixed the ( error ) so that i can make my XXXX payment. the company action to fix it never happened.
Consumer complaint received 2022-01-25
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. (CO)

This has been going on with XXXX, Equifax, and XXXX for years. At first I disputed the mark on my credit because it had been on there for over the years. The age view notified the creditor and the creditor simply changed the date on the credit. On multiple occasions I have asked XXXX, Equifax and XXXX, to please conduct a proper investigation and have the creditor provide proof of said loan with documents showing the terms of the loan and must include my signature. They have not been unable to provide this documentation as it does not exist, but they have yet to remove it from my credit. I have disputed this account multiple times all with different reasons why this is not my loan and the Credit reporting companies do not find any proper documentation proving anything but still don't remove this. I spoke with an agent at XXXX once over there phone, and they said that since the creditor is a member to XXXX they do not investigate and take their word for it. I thought the FCRA was made to prevent situations like this. If damaging someone's credit report, simply because you have the capital to be a member, is permissible by the FTC CFPB and therefore our government, then things are a lot worse than imagined. FTC and CFPB are put in place to protect consumers like me from the frauds which these large corporations continually commit. Credit companies should not be allowed to have members as this is a conflict of interest and the proof is right before you
Consumer complaint received 2021-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Hi, my name is XXXX XXXX XXXX. I am reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commission 's Identity Theft Affidavit. Please remove these items as soon as possible.
Consumer complaint received 2022-01-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (DE)

This is with regard to my refinance with Better Mortgage Company of my home which we purchased from XXXX XXXX ( XXXX Model ) .I locked the rate with better mortgage on XX/XX/XXXX for 30 years with 2.75 % Interest rate. The vendor from their company conducted the appraisal and reported inaccurate report. I disputed the appraisal on the below points 1.The model of our home is XXXX from XXXX homes and the evaluator quoted it as a COLONIAL and compared it with other Colonial models. ( this concludes that this whole report is inaccurate ) 2. We come under XXXX school district and report quotes as XXXX school district. 

3. The Appraisal value was quoted a {$500000.00} way below the purchased price. 

We disputed and they apologized for their mistake and returned the Appraisal refund and extended the lock rate till XX/XX/2021 and promised to re-evaluate our home. 
As promised, they re-evaluation came up with a new price quoted as {$540000.00}. 
My dispute is : 1. Our home value as per the appraisal done on XX/XX/2021 is {$560000.00}. I dispute the appraisal reports from the XXXX as it is showing 2 % less from last year. I dispute this as the market rate is at-least 15 % high from the time I bought. considering three home comparisons that I provided from my builder They need to re-do the appraisal to get the accurate numbers. 
3. They need to extend my lock rate as we lost 3 weeks as the appraiser provided inaccurate information. The company is forcing me to withdraw my application. I requested you to re-evaluate the home appraisal as the market rate is at least 15 % high now and extend my lock rate and help to close my home.
Consumer complaint received 2022-01-25
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Io, Inc. (VA)

On XXXX, 2022 I sent Debt collector, Receivables managements Systems, a cease and desist and demanded that they only contact me through mail. I stated precisely that no other mediums of communication were allowed, especially through consumer reporting agencies. The letters was delivered XX/XX/2022 2022
Consumer complaint received 2021-05-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (PA)

I am filing a complaint with your office because TRUIST wrongfully closed three bank accounts ; the account my daughter shares with her husband, XXXX XXXX, the account I have with my daughter, XXXX XXXX, and the account where my daughter is the only user. My daughter and I have been with TRUIST for over twenty years. In that time, we have never as much as bounced a check nor have we have ever overdrawn our account. Despite our solid history with TRUIST, we received letters stating that our accounts would be closed within 30 days but stated no reason as to why TRUIST was closing the accounts. The person who signed the letter, XXXX XXXX, who is the Sr. VP of Operations with TRUIST refuses to return our calls. As a matter of fact, TRUIST is not allowing any of its employees to speak with us except for XXXX XXXX, who is either unable or unwilling to tell us why the accounts are being closed. 

It is my belief that the accounts are being closed because TRUIST is retaliating against us because my daughter and son-in-law filed a complaint with TRUIST regarding how they handled a merchant dispute. Over the last month my daughter and son-in-law filed several merchant disputes regarding trips they had taken to XXXX and XXXX. In almost all of the cases the merchants provided a credit. In addition to the credits that appear on their bank accounts, XXXX XXXX sent them a physical check which was deposited last month. Given that the merchants voluntarily issued a credit shows that the disputes were indeed valid. My daughter and son-in-law provided sound reasoning as to why they were filing the disputes and anytime a merchant issued a credit they notified TRUIST and requested that the provisional credit be taken back. In one instance, my daughter called and emailed the Retail Payments Department for two weeks to have a provisional credit removed from the account. 

The merchant dispute that caused my daughter and son-in-law to file a complaint was for a restaurant in Hawaii, XXXX XXXX. TRUIST erroneously assumed that they received the meal that we paid for, but they did not. My daughter and son-in-law did everything they possibly could to communicate to TRUIST that they paid for a meal that they never received but TRUIST would not take that into account and refused to work the dispute. After spending weeks trying to get TRUIST to properly understand the situation my daughter and son-in-law filed a complaint on XX/XX/2021, at the suggestion of XXXX XXXX, who is a supervisor in TRUISTs Retail Payments Department. The next day the letters stating our accounts would be closed were generated. 

Clearly TRUIST is retaliating against us for filing the complaint. The fact that the letters stating our accounts would be closed were generated the day after my daughter and son-in-law filed the complaint is not a coincidence. What makes TRUIST actions even more suspicious is that they are refusing to provide any reason for closing our accounts.
Consumer complaint received 2022-04-09
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX  Account numbers : XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. 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 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

Both Experian and XXXX are reporting an item on my credit report which does not belong to me. I have brought it to their attention several times and taken every possible measure to prove the account does not belong to me and they have not made a single attempt to remove the item or assist me with the matter. The item I am referring to is listed as XXXX XXXX XXXX on my report and it claims that I owe a balance of {$7000.00}. I have never had an account with this company nor the supposed " original creditor ''. I don't recognize either of them!
Consumer complaint received 2022-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am being sued by Capital One for a debt I did not incur nor had any knowledge of until the day I was served. 
The process server slid the papers under the closed security door to my wife without confirming if she was in fact the person on the papers. This charge did not show up on my credit report and I never received any information written or electronic regarding it until the day I was served. after becoming aware of what had just happened I immediately tried logging into my account to find that my login security information had been changed to something that I had never seen before and realized that I was a victim of identity theft. I had not used this card in several years since it had been paid off in full and remained at a XXXX balance. I contacted Capital One and had to go through a process to prove my identity and that the account did belong to me. I was told during that process that my account had charges from XXXX, I have not been to XXXX. I requested to have statements sent to me and was told to submit a request online which I did several times and have not received the statements. I've called again requesting statements and was told they would mail them to me but I have not received them and it has been several weeks since my last online request. I have since locked my credit with all the major credit bureaus and have continued to call to ask for my statements. I still have no access to my account online and have since received multiple letters from an attorney demanding I pay. 
Under the Consumer Credit Act I should not be liable for these false charges. Capital One has admitted to a data breach in which they exposed personal consumer data including social security and account numbers. Capitol One has not only NOT protected my personal information but they facilitated for my identity to be stolen and for these fraudulent charges to be made.
Consumer complaint received 2022-01-25
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. (SC)

On XX/XX/2021 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 I'm 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 30days 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-01-25
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. (PA)

Hi, my name is XXXX XXXX XXXX. I am reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commission 's Identity Theft Affidavit. Please remove these items as soon as possible.
Consumer complaint received 2023-07-03
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: Colony Brands, Inc. (FL)

I continue to ask XXXX to update status as paid/settled on my credit report and they continue to give me the run around... I paid this account off with XXXX XXXX on XX/XX/23 and I continue to ask XXXX to update the information as such and they will not.. I have placed this account in dispute over 10 times and keep getting the same results... I settled in the amount of {$310.00} and have mailed and faxed in paid letter documents and XXXX XXXX removed their trademark from my credit file back on XXXX thanks. 
I also have a complaint with Montgomery Ward in the same fashion... I paid/settled this account with XXXX XXXX XXXX XXXX XX/XX/23 in the amount of {$190.00} and have placed this account in dispute at least 5 times and they continue to say that this account is being reported accurately.. I have sent paid documents by mail and over the 3 major credit bureaus and they still have not updated the information to my credit file as such... The collection company has sent over information that this account is paid and they have yet to update the information on my credit file .... Thanks... 
I also have a complaint with XXXX collection agency for a XXXX shopping account... I have also asked them to update the status on my credit file that this account is paid/settled on XX/XX/23 in the amount of {$230.00} and have sent over documents and disputed this account as such and they have yet to update on my credit file ... Thanks. 
I also have a complaint with XXXX XXXX XXXX for XXXX XXXXXXXX XXXX XXXX  ... I paid/settled this account on XX/XX/23 in the amount of {$290.00} with XXXX XXXX XXXX and have placed this account in dispute over 5 times and sent disputes via US postal service and XXXX XXXX XXXX  has yet to update my credit report as such ... XXXX XXXX services have since deleted their trademark from my credit file with all 3 major bureaus but XXXX XXXX XXXX has yet to update my credit file... Thanks... 



I also have a complaint with XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX ... I have placed this account in dispute with all 3 major credit bureaus at least 5 times and have sent in dispute via US postal service and they have yet to update the status as paid/settled... I paid this account off on XX/XX/23 in the amount of {$280.00} with XXXX XXXX XXXX .... XXXX XXXX XXXX have since deleted their trademark from my credit file with all 3 major credit bureaus but XXXX XXXX XXXX  has yet to update my credit files..Thanks..