davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (FL)

Experian was to validate the information from my credit bureau report file. XXXX notified me to contact Experian at XXXX, with the following reference number : XXXX. 

I am trying to pass verification with XXXX, which requires Experian to validate my identity. 

The female representative stated that Experian was unable to verify my identity. When I disputed the accuracy of their information and requested an investigation, the female representative disconnected me. The call was presumably recorded, or should have been. 

Experian needs to make a bonafide attempt to verify the accuracy of any information it disseminates to other sources. This reporting of inaccurate information is unacceptable by any standard. Furthermore, their misreporting is preventing me from obtaining proper clearance with XXXX. 

The only acceptable remedy is for Experian to correct their information and validate my identity, which has been a matter of record for the past several decades.
Consumer complaint received 2021-09-20
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: ACIMA CREDIT, LLC (TX)

On XX/XX/2021 I received an email about a new inquiry on my credit report from a company called Acima. About a month prior to that, I also had inquiries from XXXX and XXXX. I had not open new accounts with any of these companies. XXXX and XXXX were able to cancel the fraudulent accounts immediately and correct my credit. Acima has been able to cancel my account and report this as fraud to fix my credit. I have filed a police report and am now filing this in hope of getting Acima to close the account. The balance on the account appears to be {$4400.00}. When I initially found out about the account, I spoke to an Acima employee on the phone and was told it was obvious it was fraud due to i fake email address and bad address. Acima has been able to cancel the fraudulent account as of now.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NC)

XX/XX/XXXX I submitted a dispute to XXXX. On XX/XX/XXXX XXXX submitted a result from my dispute. The dispute is in regard to a bankruptcy that is reporting on my XXXX credit report. The dispute results states that LexisNexis supplied the information of the bankruptcy to XXXX. Which XXXX has been reporting since XX/XX/XXXX. I did not give any written, un-written, verbal and/or non-verbal consent to XXXX or Lexisnexis to sale and/or purchase this private information and report it on my credit report. Furthermore, according to uscourts.gov, bankruptcy courts do not furnish any bankruptcy information to any third parties. XXXX and lexisnexis both being third parties. Again, I have not given any written, un-written, verbal, and/or non-verbal consent to XXXX and lexisnexis.
Consumer complaint received 2023-02-08
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. (MS)

Notice intent to sue due to defamation of my character publication of information inaccurate negative items on my consumer report. I have been Identified by state denied credit. Remarks negative impacting my reputation, Publish information is Demonstably False and Credit Bearues are at fault.

Notice Intent to sue due to Violation of my rights 15 U.S. Code 1681s ( 2 ) ( b ) Failing the requiment to delete inaccurate reporting after reinvestigation, which congress designated with private cause of Action. 

Account : Open XXXX  XXXX XXXX : XXXX XXXX - XX/XX/XXXX XXXX XXXX Credit XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX phone numer : XXXX Phone Number : XXXX Job I dont not work for and never have been associate with XXXX XXXX XXXX XXXX XXXX XXXXXXXX address XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (PA)

On XXXX XXXX 2021, XXXX XXXX sold my mortgage to Freedom Mortgage. I have not seen it recorded in the registry of deeds in XXXX XXXX PA. The deed recorder said she did not receive an assignment of mortgage. When I contacted both lenders and asked " when will they record the mortgage '' they replied with vague information and did not answer my question. I read that it should take XXXX days. And it still is not recorded. It seems suspicious that they don't want to give me an answer.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (AL)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for go any purpose.
Consumer complaint received 2021-04-05
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. (VA)

I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to XXXX and Equifax regarding an account being reported by XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ). 

The letters were informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. I later realized that these medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

These letters were sent to both the credit reporting agencies and the collections agencies. XXXX responded that the account was unable to be verified and deleted it from my credit report but XXXX and Equifax failed respond to any of my complaints and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report. to this day the information is still being reported inaccurate and false information is being reported.
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

House was sold in XXXX of XXXX. Date of last payment was XXXX of XXXX. 

Credit reports first showed last payment of XX/XX/XXXX. 

After dispute, date was changed to XX/XX/XXXX - this date is still wrong!
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (TX)

I logged in to my American Express app on the due date for my credit card and paid y bill. The representative is telling me that they received my payment one day late, which is why I was charged a late fee of XXXX. I paid my bill in full by the due date in the application so I should not have been charged.
Consumer complaint received 2021-09-20
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)

I have repeated requested to have Experian update the payment history information for XXXX which is a closed account. I can no longer dispute this on their website. During XXXX through XX/XX/XXXX. Experian reported inaccurate payment history status ; the account history status showed inaccurate information I submitted a copy of the comparison between experian and neither were consistent during this time period plainly showing inaccurate reporting of account history and payment status. As a credit consumer if there are inaccuracies in the way information is reported the credit bureau must remove that information. I have repeatedly asked this to be removed. It is still showing up in my payment and account history status during the time period of XXXX to XX/XX/XXXX. This has not been addressed this has not been removed and is violating my rights as a consumer!
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CT)

I contacted this bank who took over for JC Penney. I had my credit card balance placed into a collections company to pay off since I did not trust the bank to make anymore errors for purchases they charge which were not mine. I paid this off and am now questioning purchases and demand reimbursementd for those purchases I did not buy.. 
I have spoken to several people including a woman who works for the Office of the President and she just asked me to call others who were absolutely no assistance to me. I also contacted the XXXX
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

I noticed Fraud on my account about a week ago. I called the Fraud department at the bank and was told that a claim was being filed and that they would place the temporary funds in my account within 1 business day. That did not happen, I called the back 4 days later for them to tell me that the rep I spoke to did not file a claim but instead put a stop payment on the fraudulent charges. No, because that rep did not do what she was supposed to do I have multiple bills that have been declined and I have been charged late fees because I do not have access to my account or funds. And all they can say is they are sorry.
Consumer complaint received 2020-11-04
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$6000.00}, {$20000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX BANK XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

3.XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.
Consumer complaint received 2024-03-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: U.S. BANCORP (MN)

On XX/XX/2024 I made an online purchase of a tax software from XXXX XXXX XXXX  XXXX for {$52.00}. This purchase was posted on XX/XX/2024 by the credit card company. There are XXXX additional charges of {$52.00} on XX/XX/2024, which was posted on XX/XX/2024 by the credit card company. XXXX XXXX XXXX XXXX acknowledged the XXXX purchase I made and send me the confirmation email with the activation code. 
When I noticed the duplicate charges on my credit card statement, I contacted the credit card company and provided the information regarding the duplicate charges. Credit card company has declined to process the claim on the grounds of insufficient information. I contacted the XXXX XXXX Representatives, who were unable to provide me the details of the additional information needed and informed me that the case is closed.
Consumer complaint received 2020-12-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (CA)

Hello, after finding the company DRS Solutions on my credit report for a Pay By Phone charge. I have never heard of this company and can find no information about them so I sent a letter via mail on XX/XX/20 and disputed it with the credit bureau. I never heard back from DRS Solutions, but they claimed that the debt was valid to the credit bureau. I then contacted them via phone and was told to email their Vice President for verification. I emailed him on XX/XX/XXXX with a copy of my original letter and have been emailing him once a week since then. He responded by asking for the account number although it was on the original letter that was attached and not in the emails body. I responded with the account number and the ask that they provided all the requested information to verify the debt. He did not respond. They refuse to supply me with verification yet will not take the charge off of my credit report. I dont think this is fair and would like something done. Please help.
Consumer complaint received 2015-06-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: ETHOS LENDING LLC (UT)

Non-performance of a lender ( missed deadlines, failed commitments, failure to provide closing documents, failure to respond to inquiries, failure to fund timely ) : We recently purchased a home, and our mortgage broker sent us through Ethos lending. What an ordeal! After a series of delays ( due to staffing, backlogs, etc ) they finally gave us a date for which we could sign closing documents. When we went to the title company on XXXX XXXX ( as they indicated we should ), no documents arrived. At this point we were out of contract with our sellers, and every day 's delay cost us $ XXXX in penalties - all because Ethos could n't deliver as promised. Our broker was finally able to contact them, only by masking his cell phone to appear as if it was coming from within their building. Where before he had called, and called, and left voicemails and emails with no response, when they thought it was an internal call they picked right up. He was able to get a commitment to have documents ready for us the next day. We signed on Wednesday, hit XXXX snag with seller documents, and all indications were this was a " rush '' and we would fund on Friday, XXXX XXXX. Friday came, and went - no funding. Sellers were irate ( as were we ), as our apartment would not let us stay any longer because the unit had already been rented, based on Ethos ' timetable for finishing this deal. Ethos guaranteed funding Monday, XXXX XXXX by XXXX XXXX. At XXXX, still no funding. There was a " system outage '' that prevented sending funds. Finally funds arrived to XXXX title company, but too late for them to send it to the sellers. At this point, I had stalled my apartment to let us stay through Monday, and the drop-dead time arrived. I had to pay my movers to move everything to a storage unit, and find a place for my family and pregnant wife to go that night ( thanks Ethos ). At this point, Ethos has cost me XXXX days of lost work ( since I had to take time off work each time to sign, and then arrange movers, cancel movers, rearrange everything each time they failed to perform ), as well as over {$500.00} in penalties to the sellers, doubled my moving costs, and stress on a pregnant mother. I have worked in XXXX for XXXX years and never have I seen such an unresponsive, uncommunicative, ineffecient and non-performing lender. We had serious doubts as to their solvency, and whether or not they were even legitimate. Through all of this, we bore all the burden of the inconvenciences - all because of Ethos ' inability to deliver on contracted lending services. I ca n't tell you how many times my XXXX wife was in tears because of this lender - XXXX is a MAJOR concern during XXXX and this lender has absolutely no concern for their customer - zero.
Consumer complaint received 2020-12-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TFS FINANCIAL CORPORATION (NJ)

Re : Third Federal Savings & Loan Association of Cleveland ( " Third Federal '' ) Address : XXXX XXXX XXXX XXXX, OH XXXX Re : XXXX County, Florida Mortgage Instrument # XXXX Book # XXXX Page # XXXX Filing Date : XXXX XX/XX/2019 Re : XXXX County, Florida Special Warranty Deed Instrument # XXXX Book # XXXX Page # XXXX. Grantor conveys to Grantee property on page 1 of the attached deed that does not match the property described on p 3 of the deed that it has the right to convey. The legal description on page 1 of the attached Special Warranty does not match the legal description on the authorization document on page 3. 

The response letter by Third Federal Savings and Loan to Complaint # XXXX is defective. It is not dated and bears no signature. This response letter reads as follows and is also attached as an exhibit to this complaint. 

We are advising the CFPB and all applicable regulatory agencies of a mortgage on a property Grantor had no right to convey. As such we are requesting that the CFPB, the OCC and all applicable regulatory agencies take immediate action and direct Third Federal to amend the mortgage so the grantor 's legal description of the property is correctly reflected on the mortgage and note documents. SEE PAGE 1 and PAGE 3 of the attached warranty deed for a comparison of the legal descriptions. 

Thank you for your immediate assistance in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX The response letter from Third Federal hereto attached as an exhibit reads as follows : IT BEARS NO DATE AND NO SIGNATURE BY XXXX XXXX. 

CFPB Office of the Comptroller of the Currency RE : Case Number XXXX Consumer : XXXX XXXX To whom it may concern : Third Federal is in receipt of the above reference case and has reviewed her statements and our records. Please find our response below : XXXX XXXX is not a current customer of Third Federal Saving and Loan therefore there are no documents in need of any corrections. The documents she provided belong to another customer of ours. 
XXXX XXXX Closing Manger
Consumer complaint received 2020-12-08
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: AMERICAN EXPRESS COMPANY (UT)

The three dates are duplicates on my XXXX credit report. American Express has pulled my credit three times ( six times with duplicates ) on XX/XX/2020, XX/XX/2020, & on XX/XX/2020 soft inquiries. I have no American Express accounts, including no third parties associated with American Express. I called their XXXX and I keep getting transferred and the run around.
Consumer complaint received 2017-09-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BBVA FINANCIAL CORPORATION (TX)

Now back to thinking of what BBVA Compass bank has done. They expect me to pay them at total of {$3300.00} dollars. Compass bank had canceled the auto GAP policy along with the Extended warranty without my prior knowledge. So that would be around {$2500.00} dollars that they had gotten back also I was never returned my prescription medicine that was around {$1700.00} dollars along with a spare pair of eyeglasses that were around {$600.00} dollars. Also with {$2000.00} dollars in improvements and maintenance not including my {$4000.00} dollar down payment have you. That would be a total of {$6800.00} dollars then minus {$3300.00}. Being a total of {$3400.00} that Compass bank owes me. They may have made a clerical error within all of this. I hope they review all of this info for their records.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC (GA)

I have reached out to Credco several times about an unauthorized inquiry that they reported on XXXX XXXX 2015 that i have no knowledge of. I have never had a contract thru thus company. They are reporting an inaccurate inquiry on my credit report. I have been told sevetal times by representatives im not in their system but yet they continue to leave this inquiry on my report.
Consumer complaint received 2023-06-27
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

In accordance with the fair credit Reporting act Capital One Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-04-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP (CA)

Hi I was working on my refinance and agreed to the loan estimate for costs and expenses for about 6 weeks now, when we are about to close the lender sent me a loan disclosure with more than $ XXXX in the money to close please see the details below Lender credits changed from {$3300.00} to {$1500.00} The appraisal fee should be removed ( {$490.00} XXXX without cut that from the cost. 
Daily interest changed from 15 daysXXXX to 8 days I didn't see it make the cost go down?!! 
Pulse the property tax of {$3700.00} which is paid off two months ago. Still asking for it. 
The closing cost changed from {$30000.00} to {$40000.00}. 
I been trying to reach 5 people from this company but no response The company name is : Intercontinental Capital Group. 
My name is XXXX XXXX Phone number XXXX