davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2018-03-20
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. (CA)

Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (VA)

My wife and I have a joint account with Citibank. We receive a monthly pension from XXXX which is usually credited to our account on the XXXX XXXX XXXX of each month. I have been receiving this pension for over 10 years now. Lately, my pension does not arrive on a timely basis. There can be up to 1 month delay for reasons unknown to me. For example, my pension which was due on XX/XX/ has still not been credited to my account as of XX/XX/XXXX  In addition, my wife 's pension has been credited without any issue on the relevant dates. The delay in my pension has been going on for the last 2 years or so and it has created financial difficulties for me. I have reached out to Citibank multiple over the phone but no clear answer is ever given to me nor has there been any resolution.
Consumer complaint received 2018-03-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Credit Central Holdings, LLC (SC)

This company made attempts to speak to my supervisor AND asked for the physical location of my office. Neither of which are reasonable requests in an attempt to collect a debt. These are attempts to embarrass and harrass an individual and should not be legally allowed.
Consumer complaint received 2023-02-07
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. (TX)

Since the beginning of XX/XX/XXXX of 2022 i reached out to this company in regards to my information being effected by a data breach an have yet to get this issue resolved. Since then i have continued every month after that to send correspondence demanding that this information be re investigated and removed from my credit report. Nothing requested from this company has been validated or verified as factual accounts.
Consumer complaint received 2018-03-20
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: EQUIFAX, INC. (OH)

I am so tired of dealing with CFPB and Equifax. There is no way, no way that you looked into these accounts. Your company has a tendency to rubber-stamp things because you're a true POS of a company that leaks financial data and tries to hide it from the public. As far as I'm concerned Equifax should be completely shut down. XXXX and XXXX  corrected these matters as these were " authorized user accounts '' they are NOT MY ACCOUNTS PERIOD ( YELLING ). Even in the account ownership/status, it says this very thing. I have three accounts with XXXX XXXX that are mine and they report as owned by primary. If you fail to acknowledge this request within 30 days I will be filing suit not only against you but all the other creditors. I have been removed from these accounts over a year ago and reporting was closed on all other credit reporting agencies except your POS system. 

Accounts XXXX XXXX XXXX Account Number XXXX High Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX High Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX High Balance XXXX Date Opened XX/XX/XXXX I want the CFPB to publish this to show that Equifax will not handle removing closed authorized user accounts.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

On XXXX I opened an account with Chase I deposited a work check on the XXXX via mobile deposit, after the funds were not made available by the XXXX I called to see when the funds would be available and Chase said they could not verify the check and told us they were closing my account with no reason why, and they said that they needed me and the issuer of the check to come in to the bank to verify the deposited check. We did this and after two hours of my employer proving his identity and that he wrote the check, Chase was satisfied and said they would then be overnighting me a check for the amount of the deposited check. A day or so later They fully closed my checking account and sent me a check for the {$100.00} I already had in there, not for the deposited check of {$2500.00}. After two weeks of waiting for this overnighted check I spoke with the banker at the bank we went to and he said they are not sending me a check and to have the issuer call his bank and do a fraud claim in order for me to get the money back from Chase! There was nothing fraudulent about this check, we have verified everything the bank requested. They have held this money for over a month and never gave me a reason why they closed my account or why any of this is happening! I was using that money to go to Texas and start a new job, which I have now lost due to Chases failure to make my funds available to me. I am now about to lose my house and have had to file for federal assistance because of this. I have recordings from chase employees and screenshots of my account. If I cant get this handled I will be contacting a lawyer.
Consumer complaint received 2021-09-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (TX)

I XX/XX/, I purchased my first home through Guaranteed Rate. My payment was set up for escrow within my P & I payment. In XX/XX/XXXX, my loan got transferred to XXXX XXXX XXXX from Guaranteed Rate. Everything still seemed fine as mortgage transfers usually happen. In XX/XX/XXXX, I start to get letters from the XXXX XXXX XXXX XXXX office, advising that my taxes have been past due since XXXX. I tried to call XXXX for information as to why this was happening. XXXX kept giving me a running around as to taxes were paid. I called the tax accessor and they advised they never received escrow payment from any lender from the time I bought my home. The tax accessor has advised if I do not make a payment by XX/XX/XXXX, they can pursue legal action for foreclosure. I have contacted XXXX once again to confirm what actions they are taking. They advised that they sent out a check back in XXXX, but it bounced and returned. Not once did they try to confirm why or where this returned. They now have mentioned they sent an escrow check on XX/XX/XXXX to the tax accessor, but only covers the taxes for the year XXXX. When I spoke to XXXX, they advised that when they received the loan from Guaranteed Rate, they mentioned there was no escrow balance transferred to them from GR. They mentioned that maybe GR had paid out the full escrow balance to the taxes, but does not satisfy that comment. As XXXX County tax accessor has provided details that there has been no escrow payment in XXXX. I am beyond disappointed in both services as to how they're handling my escrow account. Had I known the irresponsibility of the mortgage services was this bad, I would not have set up escrow into my payment. Now my escrow has been reanalyzed and my payment has jumped from about XXXX to now XXXX due to the incompetence of these mortgage services. Neither XXXX nor Guaranteed Rate wants to speak to me directly to figure this mess out. I have done what I am supposed to as a borrower and make my payments on time. If neither, Guaranteed Rate or XXXX financial want take responsibility for their lack of service, I will be moving forward with prosecution. It just seems as both lenders would rather have my home foreclosed on than to assist me.
Consumer complaint received 2022-03-31
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: ALLY FINANCIAL INC. (IN)

I checked my report and it there came to be 14 hard inquiries on my report that I did not authorized or give permission for. I tried contacted these companies and couldn't get a respond. these companies are : XXXX XXXX XXXX XXXX  XX/XX/XXXX, Ally Financial XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX ally financial XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Consumer complaint received 2020-05-02
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. (MD)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. 

I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for various accounts. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.
Consumer complaint received 2017-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

On or about XX/XX/XXXX I submitted a form by certified mail to TransUnion attempting to initiate a credit freeze on my TransUnion credit report. Enclosed with the filled out form was a photocopy of my current Kansas drivers license and a check for {$5.00} ( ck # XXXX ) drawn on my personal XXXX XXXX account. I subsequently received a letter from TransUnion, dated XX/XX/XXXX- file # XXXX, stating my request was denied because only one form of proof was provided, and that if I called them at XXXX I could complete a verbal authentication process and my records would be updated to show my current mailing address. Following this advice I called the number. The CSR did n't authenticate my identification but told me that he could accomplish the credit freeze right then and there if I provided him with a credit card number so he could process a charge for {$5.00} to cover the cost of the freeze. I explained that I had already paid his company the {$5.00}, but he insisted that if I wanted the freeze I would need to provide a card number, which I then did.
Upon receiving my credit card and bank statements this past week I noticed that TransUnion had in fact charged my credit card {$5.00} as well as cashed my {$5.00} check. I called the company and explained this and asked for them to issue a {$5.00} refund. After an extended time on hold, while the CSR conferred with someone else, I was advised that in order for them to issue a refund I would have to provide them with my bank statement showing that my account had been debited. At that point I attempted to impress upon the CSR that I had no intention of providing TransUnion, a company that collects and sells personal private information about American citizen on the open market, with my bank statement, and that if they wanted to verify that they had cashed my check they could examine their own bank statement or related accounting data. This argument did n't seem to phase her and that is where we concluded our conversation.
Consumer complaint received 2022-03-31
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: Exeter Finance, LLC. (IN)

I checked my report and it there came to be 14 hard inquiries on my report that I did not authorized or give permission for. I tried contacted these companies and couldn't get a respond. these companies are : XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Consumer complaint received 2022-03-31
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation (CA)

me and my wife went thru the entire process and for some reason me and the loan specialist were slightly bumping heads and all of a sudden when we were going to close which were a couple of days in the process the place that we were trying to get a mortgage loan VA declined on our loan due to personal reasons which is totally against the law.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

DISPUTE INFORMATION ON MY CREDIT REPORTS TRANSION UNION, XXXX, AND XXXX THERE IS INCCURACTE SPELLING OF MY NAME CREDIT BREAUS REPLIED BACK SAYING VERFIED HAVE PLACE SECURITY FREEZES WITH XXXX, XXXX, XXXX XXXX XXXX XXXX SUPRESSED MY REPORT
Consumer complaint received 2017-11-22
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. (NV)

On or around XXXX XXXX I visited a XXXX XXXX store. While I was there a XXXX XXXX  representative tried to pitch me on their XXXX packages. I listened to the XXXX XXXX  representative and even had him look into the different options that I would have available, however, at the end of the discussion I decided not move forward with the service. About a year later I noticed a collection on my credit report from XXXX XXXX. I contacted the credit bureaus and disputed the account several times. I also submitted an affidavit of identity theft but either XXXX or the credit bureaus refuse to remove the account from my credit report. Now I am in the process of buying a home and still have this fraudulent and negative account affecting my credit score.
Consumer complaint received 2023-02-07
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. (TX)

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 : 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 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 2020-05-02
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. (CA)

I previously had a loan with XXXX XXXX XXXX. Sometime around XX/XX/2018 the payment ( including principle, interest and impounded taxes and insurance ) increased. For whatever reason, I did not get notification of that increase. 

When I paid the payment in XX/XX/2018, I paid the same amount that I had paid in prior months. As you can see from the statement from XXXX, that payment was received on time ( posted XX/XX/2018 ). As you can also see from the letter from XXXX dated XX/XX/2018, the payment was {$67.00} short because I did not see the notification of the increase in the required payment. 

Based on the above, XXXX reported to the credit bureaus that my mortgage payment was late. That is not correct. First, the payment was received on XX/XX/2018 which was on time. Second, while the payment was not the correct amount, the payment covered all principle and interest due. The {$67.00} was a shortfall in the impound account, but the impound account is an estimate anyway, as tax and insurance bills can vary from year to year. 

I disputed this late notice which is affecting my credit score with the credit bureaus. They all claim that XXXX refused to make a correction. I have two friend who work in the mortgage business. Both tell me that honest lenders would never make a late payment report under such circumstances. 

I requested that XXXX make a correction with the credit bureaus removing the late payment from my credit report. XXXX refuses to do so.
Consumer complaint received 2017-11-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (LA)

I have tried contacting Santander consumer usa multiple times regarding my loan. They are charging me the max interest rate on my car loan. It is making it almost impossible to pay this car off. Its absolutely unfair that they are legally allowed to do this to people. 25 % interest on a XXXX car loan is robbery.
Consumer complaint received 2017-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (PA)

My name is XXXX. I live in XXXX, PA. I applied for XXXX XXXX XXXX signature credit card believing that it would provide me with 0 % foreign transaction fees as advertised. I contacted the customer service of XXXX XXXX twice before XXXX XXXX to inform them that I would travel to XXXX between XX/XX/XXXX - XX/XX/XXXX and I would be transiting in XXXX. I also verified with them that there would be 0 % foreign transaction fee. They said yes. I also told them that I would use the card to pay for my engagement celebration at a restaurant. On XX/XX/XXXX, I tried to make a purchase for $ XXXX at a restaurant for my pre-wedding celebration in XXXX but my transaction got declined 3 times. I made an international call to TD to ask them to approve the transactions. Their fraud department and customer service tried to verify me through a lot of questions and I was able to give them my social security, my address, all other questions they asked me. At the end, they told me they would not approve the transaction because They would need to call me using the number in US. I told them I am not in the US and  they could just email me. They did n't want to do that knowing that they would need to honor the 0 % they promised me. Clearly, this is a dishonest conduct from TD credit card services.
Consumer complaint received 2017-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

ON XXXX17 MY ACCOUNT WAS DEBITED IN THE AMOUNT OF XXXX BY XXXX XXXX AND XXXX XXXX. I DISPUTED THESE CHARGES BECAUSE THE SERVICES WITH XXXX HAD BEEN CANCELLED IN XXXX AND XXXX XXXX IS ENGAGING IN FRAUDULENT PREDADTORY LENDING PRACTICES AND IS A SCAM. BANK OF AMERICA IS REFUSING TO REIMBURSE ME FOR THIS VALID AND LEGITAMITE CLAIM.
Consumer complaint received 2022-03-31
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. (FL)

I have new and updated information concerning Equifax. I have previously complained of Equifax 's illegal conduct under ID # XXXX XXXX ; XXXX ; XXXX ; and XXXX. Equifax has failed to conduct their required investigation in accordance with federal laws; failed to provide me with a comprehensive audit trail, including evidence of such required investigation ; and failed to delete items in accordance with my written instructions. Equifax continues to use excuses and now advises me : " that inquiries are a factual record of file access. If you believe the inquiries are unauthorized, please contact the lender directly and follow their internal fraud procedures '', which is contrary to FEDERAL LAWS!!! EQUIFAX IS BREAKING THE LAW!!! I have included proper identification in my correspondence to Equifax. Yet, Equifax remains in violation of my rights as a federally protected consumer.
Consumer complaint received 2017-11-22
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: Experian Information Solutions Inc. (CA)

Experian is reinserting deleted accounts on my credit report from XXXX XXXX XXXX. All XXXX XXXX XXXX accounts were deleted by Experian. Experian was unable to verify these accounts. XXXX XXXX XXXX has resurfaced on my credit report after it has been deleted without a 5 day notice which is a violation of the FCRA these are the same accounts, same amounts owed. These accounts were deleted more than once from my credit report and now they are reinserted without my knowledge again. Experian is required under the FCRA to have properly verified the accuracy of these accounts if they have verified as required and requested why are they being reinserted? 
This is fraudulent and unlawful. As this collection agency and Experian appears to have resuscitated a confirmed deleted account on my credit report. I have continuously disputed this with Experian and they have only added a comment to my credit file saying that the consumer disputes this account. That is not acceptable!! I demand to have these fraudulent accounts removed from my credit file.