davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (IN)

On XX/XX/XXXX and XX/XX/XXXX I filed an complaint with the XXXX No. XXXX  and No. XXXX against Target Card Services for an account credit that had NOT been applied to my charge card account as promised and because my account had been frozen by them on or before XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX and a letter on XX/XX/XXXX from XXXX of Target Card Services stating that on XX/XX/XXXX ( {$28.00} ) and XX/XX/XXXX ( {$39.00} ), two late fee charges were credited back to my Target Card Services account but they did NOT. Target Card Services applied the two late fees charges of {$28.00} and {$39.00} on XX/XX/XXXX to my monthly minimum payment amount due and to my total account balance due. But my Target Card Services account was frozen by them on or before XX/XX/XXXX, so how did my total account balance due increase if I can not use the charge card. Target Card Services committed FRAUD and are trying to SCAM a consumer and one of their Target REDcard account holders. As of today XX/XX/XXXX Target Card Services still has Not applied the XX/XX/XXXX {$28.00} credit to my charge card account or reversed on XX/XX/XXXX the {$39.00} late fee added because Target Card Services did NOT apply the credit promised by XX/XX/XXXX the bill payment due date. Since XX/XX/XXXX every month Target Card Services has been adding late fees and addition interest charges to my charge card account when I paid in full my portion of the amount due to my account by XX/XX/XXXX Every month I pay the minimum amount due to my charge card account established with billing cycle XX/XX/XXXX. And if I am ever late paying that amount I always include a late payment fee with it. Target Card Services FRAUD, ILLEGAL ACTIONS, and SCAM are ruining my credit report history, and for NO REASON. It is fraud, illegal, and a scam for any credit card company like Target to add account credits promised consumers to their monthly minimum payment amount due and the consumers total account balance due, when the consumer has NOT used the charge card account. I would like Target Card Services to fix my account immediately and apologize for their retaliatory behavior towards me, a consumer and Target REDcard account holder.
Consumer complaint received 2023-03-28
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)

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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
Consumer complaint received 2022-09-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (GA)

I applied for a refinance of my existing mortgage through PHH on XX/XX/2022. I was conditionally approved during the application process after my credit evaluation and income verification. I was then told by my loan processor XXXX XXXX that I needed an appraisal for my home at my expense. I paid appx {$580.00}. My loan app proceeded to underwriting in which they sent me over a list of conditions. I submitted all the required documentation. A week went past and o didn't hear anything so I reached out to my loan coordinator XXXX. She told me that my loan was being sent back because I didn't have enough income to support the loan. I told her that I was already approved to refinance with cash out after I submitted my paystubs and w2 's. She said well they must have over looked something. You will be contacted in 24-48 hours with a decision. I waited 48 hours before I called XXXX to check on the status. She never returned my call however she sent an adverse action letter to my email. I emailed her in reference to the denial notification and she said she thought my income was good she doesn't know why the loan was denied. I felt this was very unprofessional and unethical of PHH to have me go through the process only to deny me after they pulled my credit which dropped my points by XXXX. Also caused me financial hardship by paying for an appraisal that I'm not going to get reimbursed. In addition to the mental and physical stress this has caused me and my family.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

The Credit bureaus stated that my account with XXXX XXXX XXXX ACCOUNT # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate. This is grounds for removal from my credit report. The XXXX and my state Attorney General 's office have also been contacted regarding this matter. They have also violated my rights under 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 States that any consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681C ( A ) ( 5 ) States NO consumer reporting agency may make any consumer report containing any of the following : Items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681S 2 ( A ) ( 1 ) States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NY)

I guess I must have pretty good credit as I regularly receive offer for a balance transfer at 0 % APR. I received one in todays mail from Citi for a 0 % Promotional APR until XX/XX/2022 with a balance transfer fee of the greater of {$5.00} or 3 % of the amount of the transaction. 

I have 2 problems with this : 1 ) The banks seem to all be operating in lock step with respect to the transaction fee. I was under the impression that something called anti trust should prevent this degree of collusion.

2 ) The bank is clearly giving the impression that for the given period no interest will be charged when the transaction fee is an interest rate. OK, it's not an APR but is this kind of XXXX permitted? In Smiley v Citi when the shoe was on the other foot the bank successfully defended its late fee policy as an interest rate which therefore could not be regulated by the debtor 's home state. 

So I wondering if you people can suggest a remedy or even comment on what appears to be collusion and false advertising.
Consumer complaint received 2021-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MA)

I apparently have an Experian account. The account number is XXXX. I am unable to give my last address for the experian account to close the account as I have changed addresses frequently. I cant recover my password without knowing which address. I do not want this service, I dont even remember ordering it. Please have experian close this account. I have been trying to close for several months.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX..., has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-10-13
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. (TN)

Apond checking my credit report, I have notice that I have had several fraudulent accounts and inquiries on my report. I have reached out to the credit report agencies to fix this problem due to identity theft.
Consumer complaint received 2022-04-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (TN)

Several weeks ago I went on XXXX to find a lender for a home equity loan. Since then I have been getting calls from Cross Country Mortgage, every. single. day. Except the weekends. I've told them I've already chosen another lender, yet they continue to call me. They're calling me from 3 different numbers and it's always the same automated message when I let it go to voicemail. This is really annoying and has been going on for weeks now, despite having blocked their numbers so the phone doesn't even ring. They just keep leaving voicemails that I have to manually delete..
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2021 I filed a complaint against Bank of America on the CFPB website about an account that I allegedly had with them that was reporting inaccurately on my credit report for all three credit bureaus. More than two months have passed and Bank Of America has failed to respond to my complaint or send a request to the credit bureaus to have the item deleted from my credit report and this is a Fair Credit violation. For example XXXX has on my credit report that the BANK OF AMERICA credit card went into a charge off status in XXXX, 2021 and this is false. XXXX and XXXX also have different charged off dates as well. I have never no knowledge of ever having an account going into a charged off status with Bank Of America. 
I was overseas in the military and when I came back and when I tried to apply for credit it denied stating that I had a charged off account with Bank Of America. I called the bank to question and disputed this. I then asked how this could be removed and the agent I spoke with told me what I had to do to get the item deleted off the account. I did that and then I called back two months later as the negative item was still been reported on my credit report. The lady that I spoke with said that she was not seeing that I owed the bank any money and that she was going to have the negative item removed from my credit report and up to this date nothing has been removed. 
I explained to the rep that I had lost my wife and a child to XXXX XXXX and it was a really traumatic time for me and my remaining members of my family and she sympathized with me. I told her that I was trying to get a comfortable place for my family but the charged off listed on my credit report by Bank Of America was preventing me from doing so. She told me that Bank Of America was a very caring bank and would do whatever possible to make my situation better during this troublesome time that I was and I am going through and she promised me that she would have the negative item removed from my credit report but to this day the negative item has not been removed from my credit report. 
So, those bank of America agents lied to me and that is quite sad. All I am asking is for Bank Of America to please send a request to the credit bureaus to delete Bank Of America from my credit report immediately please.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with fair credit reporting act XXXX XXXX  Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 2020-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have been trying in vain for several months to go online and dispute a collection on the Transunion webpage. It will not allow me to access the Dispute page and I have called and spoken to reps who have been useless. They just tell me to restart or use another browser which is ineffective. It is not fair nor legal that they place erroneous information on my credit report but that I can not even access the report to see what the information is or to dispute it.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (TX)

" As per the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it is stated that 'There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ' Under 15 USC 6801, it is Congress 's policy that financial institutions must 'respect the privacy of its customers and protect the security and confidentiality of those customers nonpublic personal information. ' The furnisher of information to credit agencies is considered a financial institution under this statute.

According to 15 USC 1681 section 604a ( 2 ), 'any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ' XXXX, XXXX, and the furnisher of information do not have my written consent to furnish my information. 

15 USC 6802 ( b ) ( c ) specifies that 'A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ' The furnisher of information never informed me of my right to exercise my nondisclosure option.

Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is an adverse item being reported without my permission, which is against the law. 

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that '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. ' XXXX and XXXX are not maintaining reasonable procedures to avoid such violations. 

Furthermore, 12 CFR 1016.7 allows consumers to 'exercise the right to opt out at any time. ' Therefore, I am opting out of their reporting services. ''
Consumer complaint received 2021-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I am trying to protect my credit file and update the correct information address and status. 
the following address are not mine and/or incorrect. Please delete/remove the following addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX The following phone numbers are not mine please remove/delete them : ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2021-01-28
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. (MN)

XXXX fixed error of bankruptcy on my credit. Sent me a letter that it was to be removed and stated it sent this information to experian to update. This was on XX/XX/2020. It is now XX/XX/XXXX and experian refused to remove. Stating that they confirmed with XXXX that it is to remain. This is incorrect because XXXX has already removed it from their reporting. Experian has received several letters from myself and XXXX and is also stating they never received the letters. Experian, XXXX XXXX, and XXXX are all over the fair guidelines.
Consumer complaint received 2020-11-18
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: Experian Information Solutions Inc. (VA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received verification of the inaccurate items.. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states failure to investigate items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IL)

on XX/XX/XXXX I visited my local US bank branch on XXXX XXXX XXXX XXXX, Il XXXX to open an IRA Money Market to rollover 401k distribution money from my previous employer. I met with XXXX XXXX. I told XXXX I was expecting an additional check from the same 401K plan in a few days. She proceeded to open the IRA Money Market and deposited the original amount to the account. When I went home I checked the account # XXXX and the money was in my account in the amount of {$2000.00}. 
When I finally received the additional check in the amount of {$220.00} I went back to the bank on XX/XX/XXXX and met with XXXX XXXX. Both 401k checks were from the same employer, XXXX XXXX and were made payable to US Bank XXXX XXXX XXXX XXXX IRA. 
XXXX called her operations department to receive instructions on how to process this additional deposit. She gave me a receipt for the amount and took the check. 
As of XX/XX/XXXX the check is NOT shown in my account!
Consumer complaint received 2020-05-02
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. (PA)

PROVIDING 609 DISPUTE LETTER TO CREDIT BUREAU AND THE FAILED TO PROVIDE ANY INFORMATION ON FILE FOR THE ITEM THE WAS WAS DISPUTED
Consumer complaint received 2024-03-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MARINER FINANCE, LLC (MD)

I received an online offer email from mariner in 2021 for {$5000.00} I was approved for {$2500.00} on line, over the phone and the money was deposited in my checking account. The next day the local XXXX office manager called me with an offer for {$500.00}. I requested she use the previous credit pull she could not use the online credit score. So, I go to Mariner Financial in XXXX XXXX for the {$500.00} dollar offer, my credit was pulled again, because again they refused to use the online credit pull from days ago. XXXX XXXX XXXX Mariner customer service was extremely poor. Now, Ive paid ahead {$1000.00} and receive an offer for {$10000.00}. So, I go to the XXXX XXXXXXXX XXXX office. Again, my credit was pulled, and I was merely offered the {$1000.00} I had paid ahead towards my monthly installments. XXXX is duping customers with promising offers, pulling credit unnecessarily and loaning me my advance payments towards my monthly installment payment.