davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Mortgage lender is not applying payments correctly - they have sent me several letters demaning a past due amount for missed payments - then explaining that my loan was only paid in part - partial payments were received. once those were resolved then another letter would come demanding payment for payments not in full and that my loan was in default and foreclosure- that I had to pay late fees, attorney fees and reinstatement fees
Consumer complaint received 2022-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have new information pertaining to my complaint I submitted to TransUnion. I sent a complaint on XX/XX/2022. On XX/XX/2022, they responded. They did not give me the proper response once again because they said they need more time to investigate, up to 60 days. I already told them that this is a violation of the FCRA. Pursuant to 15 U.S.C 1681i ( a ) ( 1 ) ( A ), they have 30 days to response. TransUnion is willfully being non-compliant with federal law.
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Recently I looked at a copy of my credit report and noticed you are reporting this account with a PAST DUE BALANCE, this is inaccurate reporting and should be removed immediately. 

Here are the items I am asking you to verify as accurate : XXXX. XXXX | XXXX  After your investigation is complete, please send me the results via mail.
Consumer complaint received 2022-08-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/2022, I XXXX XXXX ( the consumer ) sent out a billing error notice to American Express ( 12 CFR 1026.13 ) pertaining to periodic statements I received from the financial institution. American Express has yet to disclose the Finance Charge. 12 CFR1026- Truth in Lending Act ( Regulation Z ) was put in place to protect people when they use consumer credit.

After receiving a response from American Express about the billing error notice American Express informed me that they would be investigating my dispute. American Express replied to the consumer using the online portal to inform me that he was not responsible for the balance of {$4000.00} while the investigation was being conducted. Upon the conclusion of the investigation, American Express sent the consumer a response informing him that everything was correct in accordance with the card member agreement. American Express stated, the interest charges and the late payment fees are correct in assesses to the account as per the terms and conditions of your card member agreement. 
American Express is calculating the consumer 's credit use within the periodic period and making me either pay the full amount of credit being used or a minimum amount for the credits used by the consumer and adding interest onto the balance without disclosing the APR or finance charge. 
American Express disputed what the consumer is stating and now claims that the consumer owes a new balance of {$6.00}, XXXX regarding the consumers account. 
American Express is attempting to collect a debt by deceiving the consumer of the character amount of any debt 15 U.S.C. 1692e. 
Respectfully Submitted, XXXX XXXX
Consumer complaint received 2023-05-05
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)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX : {$19000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$920.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance XXXX {$21.00} XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$19000.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX  XXXX Balance : {$1100.00} XXXX  XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX Balance : {$6400.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-05-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stevens Business Service, Inc. (NY)

i receive letter from national grid i need to pay XXXX for non-utility service, i am disagree for this charge and national grid give this bill i not owe to collection agency " Stevens business service ''
Consumer complaint received 2015-11-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (CO)

I was a resident of XXXX XXXX XXXX in XXXX, Tx. I recently moved due to a job transfer XX/XX/XXXX. I gave 30 day notice on XX/XX/2015. I was not contacted by the apartment complex until a couple of weeks ago when a collection agency sent me a notice that I owed almost {$1600.00}. I have never been notified about any past due charges prior to the collection agency sending me a notice.. I also contacted their corporate office. I was told that someone would call me back and no one has. XXXX XXXX advertises a gated community and the gate has never worked, I was without hot water for four days XX/XX/XXXX, dryers in the laundry room have been down for months, roach issues, stray cat issues. I was made to pay an extra {$300.00} deposit before moving in with no reason as to why.
Consumer complaint received 2016-03-13
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY (NY)

I applied for a {$250000.00} HELOC. I have stellar credit. My assets and equity each are considerably higher than the loan amount. Everything seems to be fine. I receive a phone call giving me a rather vague explanation as to the reason for the loan declination. Though coincidentally in the days before this, I had revealed in conversation that I was going to visit family and friends in a XXXX country. After some pressing, I was given the ridiculous excuse that our building lacked the XXXX % owner occupancy that TD Bank now stated that they required. That was news to me, as they had gone through every step along the way prior to this. The revelation of this requirement was shocking to me, as this a fundamental point that is discussed in the preliminary stages, particularly in regards to coops. I believe that this alone is an ECOA violation in addition to equal opportunity to minorities. A quick phone call to my buidings management office revealed that our building was XXXX % owner occupied. Not only did TD Bank not reconsider this XXXX % margin, but they have refused to send me the reason for the declination in writing or where this unreasonable prerequisite is stated. TD Bank knew full well that I had waited until they had all of my documentation and they had assured me that all was fine, before I was to submit the application to my building 's coop board, along with the {$400.00} finance application fee they required. Reckless? Criminal? XXXX? We have nearly XXXX apartments in our coop, and a loan of this kind had never been rejected. My more than adequate salary, assets, equity and XXXX plus credit score aside.
Consumer complaint received 2015-10-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

After this issue had been resolved with a collection agency for an agreed amount on behalf of the creditor XXXX XXXX XXXX Hospital, the file is again reopened for a XXXX time after this had already been settled. These people are seeking a vendetta against me and seemingly are continuing to resubmit these derogatory credit filings to the agencies to reap their revenge for what I do n't know.
Consumer complaint received 2023-05-05
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX late open XXXX XXXX XXXX late open XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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  XX/XX/XXXX
Consumer complaint received 2022-08-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MA)

Lowe 's has been mishandling my deferred interest payments every month since XX/XX/XXXX. Every time I call to have the payments allocated. I leave the call feeling that it is correct, but when I receive my statement it is not. I called and spoke with a supervisor named XXXX. We were supposed to go over the statements and address the misallocation of funds last XXXX  XX/XX/XXXX. She told me to call this number XXXX and stated that XXXX was her personal extension and we could review and correct. I called and I was told that XXXX would call me back within 2 to 3 hrs because she was in a meeting. Until this time, I have not received a return call from her regarding this matter.
Consumer complaint received 2023-05-07
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. (GA)

my identity was compromised and i file a complaint with IDENITYTHEFT.GOV I HAVE MANY INQUIRIES THAT I DID NOT AUTHORIZE AND THE CREDIT BUREAUS HAVE FAILED TO REMOVE THEM ALSO XXXX XXXX SENT A LETTER THAT MY INFORMATION COULD HAVE BEEN OBTAINED THRU THEM TO SUPPORT MY CLAIM WHICH I WILL UPLOAD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting 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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Request for Assistance in Removing Unauthorized Inquiries from TransUnion Credit Report Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to seek your assistance in resolving an issue I am currently facing with unauthorized inquiries on my TransUnion credit report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX VA XXXX My contact information is XXXX and XXXX I recently reviewed my credit report and discovered several unauthorized inquiries made by TransUnion. These inquiries have negatively impacted my credit score and financial well-being. I believe these inquiries are inaccuracies and do not represent any legitimate business transactions or credit applications initiated by me. 
I have taken the necessary steps to dispute these unauthorized inquiries directly with TransUnion, providing them with all relevant information and supporting documentation. However, despite my efforts, the inquiries remain on my credit report and the wrong address, causing undue stress and concern. 
I kindly request the Consumer Financial Protection Bureau 's intervention to investigate this matter and assist me in ensuring the removal of these unauthorized inquiries from my TransUnion credit report. I believe that this situation violates my rights as a consumer, and I am seeking a fair and timely resolution. 
Enclosed with this letter, you will find copies of my credit report highlighting the unauthorized inquiries, as well as any supporting documentation I have submitted to TransUnion during the dispute process. 
I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will work diligently to address and resolve this issue. If further information is required or if there are additional steps I should take, please do not hesitate to contact me at the provided email address or phone number. 
Thank you for your time and assistance in rectifying this situation. 
Sincerely, 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-10
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. (VA)

On XX/XX/2020 I initiated an investigation with this company to dispute unknown and inaccurate items on my credit report. Until this day, XX/XX/2020, which is over 60 days later, I still have not received a response. This company feels that they can get away with ignoring me since they  think I have no recourse but I am writing to you ( CFPB ) to help me with this situation and ensure they are adhering to the law. Section 611 ( a ) of the FCRA, clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been MORE than 60 days these items should be deleted right away. I require these accounts be deleted immediately or I will file a lawsuit due to the damage this situation has caused. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2015-06-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NV)

I have a checking and savings account with Wells Fargo and was the victim of fraud due to a roommate going through my belongings and taking a check that was not given to her nor dated but made out to her and signed. A new check replaced the check stolen. XXXX police reports were taken and a detective assigned to the fraud case. A new account was formed and monies transferred to the acct. Fraud unit had an agent working the case. 
XXXX XXXX of Wells Fargo Risk Mgmt contacted me after receiving contact from the detective for evidence to prosecute the person for theft, uttering, etc. XXXX XXXX did not at any time tell me the bank was taking back the temporary credit ; yet, she told the detective. 
Wells Fargo believes that since the check was signed, it does not matter what means were taken for the check to be in the hands of the suspect. The fact is a date was added to the check, unlike any of my writings, and will go forward to the district attorney. 
I learned from another police officer after he read the detective 's supplemental report that the monies were going to taken from my account as a reversal. Never once did XXXX XXXX let me know her decision. She was anxious to get off the phone to the detective. The police knew before I did that the money would be taken from my account. 
Dealing with Wells Fargo is a risk unto itself. XXXX XXXX did not have the integrity or ethics to tell me of her decision. I am the customer, the victim and this woman made me out to be the wrongdoer simply because a loose check that was never given to the woman who went into my room and took it amongst other things, chose to date it and after I moved out walked into a Wells Fargo branch and received the monies. 
Devastating to be treated in this manner and it caused such anguish I had dispatch contact another police officer to talk to. XXXX XXXX made me think I did wrong. She made me feel like a victim all over again. She is without compassion, honor or integrity when it came to handling my situation. I wish the CEO to know of how I was treated. I have to wait until the woman is tried and restitution ordered a few months down the road. My account was compromised, lost time driving 2 hrs to the bank to get new account info to my employer, etc. Egregious conduct which shocks the conscience. Wells Fargo fraud has no conscience. Many people write a check and do not disburse it and so that means the writer of the check did wrong because someone altered the check to make it cashable? Forgery and uttering is a crime across the nation and 3rd degree in Utah. Wells Fargo treated me abominably and XXXX XXXX needs to be held accountable for treating me so abominably and not telling me what factors come into the decision. No one has the right to steal or use theft by deception or alter a document in any manner. This is fraud, theft by deception, uttering a forged instrument and I am the victim.
Consumer complaint received 2016-10-14
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (CA)

I XXXX XXXX and XXXX XXXX my son have an account open is a line of credit with Wells Fargo # XXXX monthly payment get deducted from our checking account automatically Well Fargo checking they are reporting 30 days late on this account for the past 18 month ( see credit report attached ) I call this business several times in the past month and they promise a 0 late letter they are not responding Im trying to clear this wrong information that they are reporting with the bureau please help
Consumer complaint received 2022-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Persolve, LLC - Legal - Series 2 (NJ)

In XXXX XXXX I was billed by the XXXX XXXX XXXX XXXX New Jersey. i was charged and contacted for the amount of {$680.00} collection has contacted and informed me of my billing this charge also shows on my credit report. I am contacting you to rectify this billing issue in hopes they are paid and I am not billed which then will ultimately be removed from my credit history. 

I was billed by XXXXXXXX XXXX XXXX XXXX  by XXXX XXXX XXXX for the amount of {$460.00} which also was sent to collection. the date of service was XX/XX/2020 please help me rectify these two amounts in hopes I could have these two concerns removed from my report
Consumer complaint received 2022-02-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (KY)

XXXX / XXXX / {$2100.00} XXXX XXXX XXXX / XXXX / {$9400.00} XXXX XXXX XXXX / XXXX / {$5800.00} XXXX XXXX / XXXX / {$7500.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).
Consumer complaint received 2016-04-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CITIBANK, N.A. (NY)

XXXX national Services keep bothering about a Bankruptcy. They have to know that U.S.Bankruptcy Court XXXX District of New York closed this case # XXXX.By law I do n't owe any money. 
Now I 'm trying to rebuild my credit.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I never made a late payment. The representative that took my payment didnt speak english well and didnt understand that i wanted to change my checking account number to a new account number. When i called and made the payment i told the rep to process payment with my new account number but the rep used my old account to process payment. I had closed the old account so thats why my payment is late. i dont feel like its my fault, the rep didnt speak good english and didnt understand what i was trying to do.
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (UT)

I had inquired about an auto loan through XXXX XXXX XXXX XXXX to run a credit check however there are multiple other inquiries as listed 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 XXXX XXXX XXXX XXXX XXXX XXXX