davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

On XX/XX/XXXX I tried to initiate account closure with HSBC via phone but as of XX/XX/XXXX I do not see any evidence of action taken to actually proceed with the closure. I would like to close my HSBC Premier Account XXXX, and my HSBC Premier World Mastercard Account XXXX, and my HSBC Brokerage Account XXXX. The Premier World Mastercard has a negative balance of XXXX that I would like to be mailed to me as a check to XXXX XXXX, XXXX XXXX XXXX XXXX, Apt XXXX, XXXX, IL XXXX, XXXX. I have cleared HSBC Premier checking account balance to {$0.00} and to this date have not figured out how to fund the brokerage account online so it also has {$0.00} balance.
Consumer complaint received 2021-08-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (PA)

I fell behind on my mortgage payments a few years ago due to some financial problems, and tried for a loan modification with the company. I made all of my trial period payments only for them to cancel the modification because according to them I missed a payment in the beginning of the trial period. So me being stubborn and already mad I quit making the mortgage payments. Fast forward 4 years later I filed for bankruptcy because I got tired of them not trying to work with me to resolve my problem. After filing for bankruptcy in the spring of XXXX the mortgage company was willing to work with me and apply for a loan modification my trial payments were a little over {$2100.00} a month for 6 months starting in XXXX of XXXX thru XX/XX/XXXX, which I paid them all. Now they are telling me my new monthly mortgage payments will be {$2100.00}. I filed a petition for the payments to be reduced back to my original amount of {$1200.00}, which they refused.
Consumer complaint received 2021-09-14
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. (TX)

There is unverified information on my reports which are causing financial harm to me and my family. The unauthorize Inquiries on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FRCA -- they are required to " ... promptly delete all  information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2021-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The 3 major credit reporting agencies ; Transunion, XXXX. XXXXXXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX RE : Total and permanent XXXX. 
Im requesting that these reporting agencies remove this as a negative on my credit reports.
Consumer complaint received 2021-02-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I found out today XX/XX/XXXX that 5th 3rd Bank failed to properly release my mortgage that I had with them. The mortgage account number is XXXX. The mortgage was paid off in XXXX of XXXX. On XX/XX/XXXX the XXXX County Recorders office received an improperly filed mortgage release from 5th 3rd in which case they failed to file the prior reference, volume, and page number. The recorders office stated they sent the release back to 5th 3rd on XXXX. As of today 5th 3rd bank failed to properly release a mortgage that was rightfully paid off in XXXX of XXXX. When I called the 5th 3rd mortgage department they gave me a case number XXXX. They informed me that it would at least be 3 days before I heard anything from them. They also said this process could take 90 additional days to complete. THIS IS A MAJOR PROBLEM FOR ME. I cam in contract to sell my home and buy another one and I can't sell my home until this mortgage from 5th 3rd is released!!!! Please help CFPB!!!!! If this this mortgage isn't properly released soo I could loose the chance to sell my home.
Consumer complaint received 2020-09-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FC HoldCo LLC (TX)

My wife and I both have a loan with flagship. We could no longer afford the vehicle my wife was financing and in XX/XX/XXXX we requested Flagship to pick it up. They told us it would be 7 to 10 days. They never picked it up i call to asked when it would be and was told that it would be 4 or 5 months. My hoa will not allow us to park vehicles on the street overnight so we were getting letter from them with threats of tow. So I called Flagship to see if the would allow me to sell the car for them, it would make them more money and it would get the car out of the street. They agreed finally after months to settle the account for XXXX in XXXX and the company that purchased the car sent the XXXX payoff to flagship. The problem is they applied the payment to my account instead of my wifes. I called a make my payment in XXXX and I was told that I did not have a payment due?? I asked why and was told by Flagship they did not know why I wasn't due??? I called the next month and at that time I was told that I did not have a payment due until XXXX??? I then very quickly figured the problem was a misposting. I asked them to correct the misposting for month but it went unfix until XX/XX/XXXX. Once I saw it was corrected I called to make the payment and was told all passed due payment are due or repossession. I have now asked to correct the problem they have made and their response is get an attorney and sue us???????????????? They need to correct the problem and allow me to make payments again.
Consumer complaint received 2021-03-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (MN)

Few months ago I did a routine check on my credit score, which is normally around XXXX, the day I checked it it was about XXXX, not good. After hours of going though my bills and then downloading XXXX I finally figured out that XXXX XXXX sent an account to collections in my name. I immediately went to the XXXX office and spoke with a representative, she confirmed that I had no past due bills, and didn't owe anything. I called the debt collection agency, IC systems they told me they couldn't find the reason why I owed the money, on a side note they also had my address listed as a house I haven't lived in in over 5 years which would explain why I never received a notice. At that point I just used XXXX to remove the debt from my record which they did, but I am still receiving settlement offers from IC Systems. Also on the XXXX website I can only look at statements from 6 months ago or sooner, how the heck am I supposed to prove I've paid my bills when I can't even access the receipts? Everybody should know that XXXX XXXX absolutely decimated my credit score and they won't even so much as give me an apology, they literally couldn't care any less about their customers. I'd say stay away from XXXX but who else can you get internet service from?
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MIDFIRST BANK (WA)

XX/XX/XXXX Dear Mid-First Bank and or Midland Mortgage : On or about XX/XX/XXXX I contacted Midland Mortgage about misinformation the company made and placed on my credit report. I disputed the information and contacted the XXXX, ( XXXX XXXX XXXX ), a Midland third party partner. I spoke with XXXX who told me Midland had provided the information I was disputing to XXXX, XXXX and XXXX XXXX. Specifically, XXXX said Midland reported as of XX/XX/XXXX I was more than 120 days past due on my mortgage. That information is untrue. XXXX also said Mid-First Bank and or Midlands policy is to report mortgages as delinquent or late even if the mortgagee continues to make payments which I did after contacting Midland to request mortgage assistance. I was approved for a reduction in payment plan in XX/XX/XXXX and thereafter placed on a modification plan with a 3-month trial payment period that I paid as agreed. Nonetheless Midland reported to the credit agencies I was 120 days delinquent in XX/XX/XXXX. I believe incorrect reporting violates the Consumer Protection and Fair Debt Practices Acts. 
Any payments not made on my mortgage occurred because Midland instructed me to not make payments until after my modification was completed. I did as Midland instructed. I want my credit reports corrected and future reporting to be accurate as according to law. I want a statement from Midland explaining its policy with supporting legal documentation.
I look forward to hearing from you.
Consumer complaint received 2021-01-21
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT TO LOCAL AND FEDERAL AGENCY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-08-09
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. (LA)

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the XXXX  you have caused me.
Consumer complaint received 2020-09-17
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. (NY)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FRCA -- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please  resolve this manner as soon as possible. Thank you.
Consumer complaint received 2020-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MO)

On XX/XX/2020 I set up a payment plan with Synchrony Bank for a PayPal Credit Card for {$75.00} to be taken out of my account on the XXXX of each month. On XX/XX/2020 they took {$700.00} from my account instead of the {$75.00} agreed. I contacted Synchrony Bank on XX/XX/2020 and they confirmed this was an agent error however it would take them 21 days to look into the matter. 

We now have no way to pay our rent or feed our family. My wife and XXXX daughters will become homeless next week because this money was stolen from us and not given back.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX, I sent certified mail to the three credit reporting agencies [ XXXX, XXXX, and Experian ] showing the inaccuracies [ which included late payments and collections, that were paid in full ] on my credit report. After 30 days, the three credit reporting agencies havent made the necessary adjustments to fix the inaccuracies. The three credit reporting agencies have to have everything aligned on an individuals credit report ; for example, on one of my closed accounts it says I have a late payment. XXXX  says I have a 30 day late payment on XX/XX/XXXX, XXXX and Experian says I have an on time payment.
Consumer complaint received 2017-09-03
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: WESTERN UNION COMPANY, THE (MA)

I disputed an Adverse Account on Credit report file # XXXX by XXXX XXXX XXXX XXXX XXXX XXXX. 
My Loan was to be paid by XXXX XXXX XXXX XXXX XXXX, XXXX Co XXXX.who never changed the mortgage holder after they were notified XXXX from XXXX XXXX to XXXX. My mortgage payments were made from my XXXX XXXX checking automatically bi weekly to XXXX XXXX. I have copies of bank statements verifying these payments. XXXX XXXX continued to pay XXXX XXXX in error by their own statements and had written to XXXX of their error and that it would be resolved. I was worried about my credit report because even though XXXX was notified of the error and said I would not be reported as late, they reported me to XXXX as delinquent from XXXX XXXX to XXXX XXXX. As it turned my perfect credit was marred by this error, of which was not my failure to pay, but XXXX error and it was compounded by XXXX 's failure to cooperate with all my requests and correspondance from XXXX XXXX  They were keep in the loop during the entire 7 month period by voice, email and fax by myself and XXXX XXXX who had taken full responsibility.
Consumer complaint received 2023-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Beginning XX/XX/2023 there was fraudulent activity on my credit card. I contacted capital one after they reached out to me through the fraud department to verify your transaction that I did not authorize. 

After filing the disputes and receiving my new card, the representative said, I would be receiving temporary credits that I can utilize on my card while the investigation was in process. 

I contacted customer care because it shows I have zero dollars for available credit when they were supposed to be the credit applied for those fraudulent transactions. 

However, an agent is saying now I need to wait 90 days to have access to those funds. Thats completely not fair. Someone else goes shopping with my credit card and I get to lose the opportunity to spend the money I was granted? Not fair.
Consumer complaint received 2021-11-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Commencing on or about XX/XX/2021 I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distri-bution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via debit card and through an intermediary named XXXX and XXXX in the total amount of XXXX USD utilizing JP Morgan Chase services.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the removal of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX  XXXX Balance : {$19000.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$5900.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5900.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CO)

Bought an oven from Best Buy in XXXX of 2020. Within a week, began getting calls about fraud on the account. After going back and forth for months simply requesting a statement from their credit provider CitiBank, just received the statement with in the last week. Credit is now paid in full. Unbelievable that Citibank would ruin my credit XXXX to XXXX, over this dispute.
Consumer complaint received 2021-02-22
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: EQUIFAX, INC. (FL)

These accounts were found to be fraudulent so they were removed by Equifax. Can XXXX XXXX and XXXX please update there records as well and remove them ... Please remove the inquiries as well associated with it ... 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-01-28
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. (NC)

I sent a letter to Equifax at XXXX XXXX XXXX, XXXX GA XXXX, stating that the below inquiries were reporting on my consumer file and I did not authorize this company to access my consumer file. 
XXXXXXXX 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 XX/XX/XXXX Equifax responded on XX/XX/XXXX stating that " INQUIRES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY ''. 

This response does not include any record of documentation proving that they are in factual bearing my signature formally requesting these accounts to view my consumer file. These are fraudulent inquiries and need to be immediately removed from my credit file.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Hello. I bought my house in XXXX of XX/XX/2019 Upon reviewing my credit score, I noticed that TransUnion did not have anything showing good standings with making my monthly mortgage payments on time, in which would ultimately help my credit score. I reached out to my mortgage company to find out why this was happening. They stated that TransUnion will not work with them and acquire information regarding mortgage payments from their clients due to the size of the bank potentially. 

I find this unacceptable and every bank should have the right to provide the credit bureaus information in regards to good or bad payment status ' and accounts. This should not be determined on the size of the bank or how may clients the bank is providing mortgage loans to.
Consumer complaint received 2024-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.