davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

This company is still falsely reporting payments made in am attempt to extend the life the loan on equifax credit report. They are reporting that a payment was made XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX. NONE OF THESE PAYMENTS WERE MADE. They repeatedly keep marking my credit as payments made when they have NOT, in aN attempt to restart the 7 yr process. This is fraudulent activity. They are also in violation the of the florida credit report act and federal fair credit reporting act. 

Your company responded with " We are not reporting payments made on this account. The last payment we show reported was XX/XX/XXXX. She has disputed this account several times but we are reporting what our records indicate. '' Yet equifax is reporting payments made, as EVIDENCED BY MY CREDIT REPORT. Equifax does NOT report payments made UNLESS THE COMPANY CALLS TO REPORT IT!! Therefore im seeking legal counsel and start the process for a class action lawsuit And it was bro7ght up directly with XXXX and i showed him my credit report and he laughed and responded " oh i dont know how that happened '' EITHER FIX IT OR A CLASS ACTION SUIT WILL COMMENCE.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc. (TX)

I contacted Experian, XXXX and XXXX in XX/XX/XXXX to remove " incorrect '' Personal information on My credit reports. I was told the false information would be removed within forty eight hours, but As of today XXXX XXXX more incorrect info has been added to my consumer report. such as Fraudulent Hard Inquires, My Name, mailing Address, Phone number, Employer Name.
Consumer complaint received 2020-06-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC (AZ)

Months ago when the government announced the record low mortgage loan rates due to COVID-19, I contacted my home loan servicer, Amerihome, to refinance for the low interest rate. I spoke to XXXX XXXX on two separate occasions and she told me each time that because the companies they work with ( escrow and title companies, etc. ) were closed due to the virus, they can not refinance. She also stated their refinancing rates were really high about 6 % to discourage folks from financing or refinancing. She said as soon as the companies they do business with are open again, then they would contact me. I know that for many states businesses have resumed. I still have not heard from Amerihome to  refinance so I can get the lowest rate possible before the rate increases. XXXX told me that she was aware that other companies were financing and refinancing and if I had to leave Amerihome to refinance with another company, then I should do that. 

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Consumer complaint received 2018-02-05
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)

COMPANY : XXXX XXXX XXXX HAS BEEN REPORTING DUPLICATION ON SAME ACCOUNT ON MY CREDIT REPORT. I HAVE NEVER HEARD OF THIS PROBLEM TILL IT SHOWED UP ON MY CREDIT REPORT I HAVE NEVER RECEIVED MAIL OR KNOW OF THE EVENT THAT TOOK PLACE ( XXXX AND XXXX  EXPERIAN ) HAS ALREADY TOOK IT OF MY CREDIT REPORT JUST SEEING IF YOU WILL DO THE SAME THANK YOU SO MUCH BECAUSE THEIR FOUNDING INCORRECT
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I lost my card during a major theft incident in XX/XX/XXXX. I was sent a text in between from chase to confirm a charge, which I reported that time, but I didn't realize that the credit card wasn't cancelled. Considering I have multiple credit cards even with chase, I didn't actively look into it after that. 

During this time, I accrued multiple charges from an apple account which doesn't belong to me and other sites. I was assured that these charges will be removed, but they only removed few charges on XX/XX/XXXX. When I called, they not only closed the case without informing me, but also reverted the charges on my account. I had to call to reopen the case XXXX  times and every time there was request for a new document ( Documents submitted so far : Police report, XXXX account details, XXXX family accounts, transaction history, etc ). 

Most recently, I was called by an agent who wanted more information which I provided, but again the case was closed without any further detail. 

Attached are generic case letters I received dating : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-04-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

From XXXX, I filed a dispute with Experian, XXXX and XXXX about the inaccuracy being reported on my credit report of the account XXXX XXXX XXXX XXXX  account number XXXX. There are XXXX different high balances being reported. {$31000.00} on XXXX and experian, but {$22000.00} on XXXX. How is this even possible when you're supposed to have the same accurate information reporting according to the FCRA. I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureaus in several months.after numerous attempts. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these bureaus about this inaccurate account as of today. Thank you
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have noticed that there are inaccurate debts being reported on my consumer report. Under Fair Debt Collection practices, I am asking for the debt to be validated. Please provide me with a breakdown of all charges, dates of service, and procedures. 

I am allowed under the HIPAA LAW to protect my privacy and medical records from third parties. This is also a violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports the credit reporting agencies sharing my information. I do not recall giving permission to release my medical information to a third party to the following medical companies below : XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX ), HIPPA does allow for limited info about me but anything more is to be revealed with authorization.
Consumer complaint received 2019-03-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (FL)

I have been attempting to request of Suntrust Bank to drop escrow payment on my mortgage so I can pay insurance and taxes directly for 14 months now. They are refusing to recalculate my loan to value after I have invested in new pool and solar roof last year significantly boosting my home 's market value over the one they are using from 2015 when the loan was refinanced.

I have reached out to XXXX XXXX who is the mortgage investor but they were not able to compel servicer to recalculate LTV based on current market value and drop the escrow. 

My loan number is XXXX.
Consumer complaint received 2022-04-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

From XXXX, I filed a dispute with XXXX, XXXX and Transunion about the inaccuracy being reported on my credit report of the account XXXX XXXX XXXX XXXX account number XXXX. There are two different high balances being reported. {$31000.00} on transunion and experian, but {$22000.00} on XXXX. How is this even possible when you're supposed to have the same accurate information reporting according to the FCRA. I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureaus in several months.after numerous attempts. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these bureaus about this inaccurate account as of today. Thank you
Consumer complaint received 2021-05-03
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (MA)

I had received a check from a scammer on a pretext of employment stating that they check was for me to buy computers and other electronic hardware. It was a check worth XXXX and I deposited this check to my account on TD bank on XX/XX/2021. 

The funds were made available on Friday XXXX XXXX and the scammer asked me to withdraw {$6300.00} in cash and make a cash deposit to a XXXX XXXX XXXX account of the vendor who provides computers. I proceeded with what he had told. 

Later during the weekend i realized this was a scam and on Monday the check had bounced, I have lodged a police complaint and I have got the report that I was scammed and I was innocent. 

Now the TD bank have frozen my account and claiming that I need to pay {$6300.00}. I have no money and the bank are unwilling to unfreeze my account. 

PS : I also went to XXXX XXXX  XXXX but they were non-coordinating and said once the cash deposit is done nothing can be made to freeze or cancel it.
Consumer complaint received 2021-05-03
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: JPMORGAN CHASE & CO. (MA)

I used my Chase Freedom XXXX Card successfully at a XXXX 's XXXX XXXX XXXX  on XX/XX/XXXX. Since then, on two separate occasions, I have since been unable to use my card there. It gets declined for no valid reason. I have contacted Customer Service several times, I have also contacted Chase Executives, and I have been given every XXXX  excuse and lie in the book regarding this, but the problem remains. They have blamed everyone except themselves, whose fault it is
Consumer complaint received 2018-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

My identity was stolen resulting in unauthorized ACH attempts on my checking account. XXXX XXXX closed my checking account due to it having a negative balance from the identity theft. I called to have this resolved and they said since it happened over 3 months ago then they can not launch an investigation. They also said they can remove the negative information from my report if I pay the negative balance, they said they are not concerned about my identity being stolen they just want their money.
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am not a third party, Im making a complaint against XXXX, XXXX and TransUnion, I demand they remove the late payment from the XXXX XXXX XXXX account, they are reporting a late payment for the month of XX/XX/2021, I have disputed the late and they refuse to remove it. I demand they remove it. On XX/XX/2021 I received a letter from XXXX XXXX XXXX that I was not late. I made all my payments on time. No late payments. XXXX is reporting the account as negative because of the late payment which is incorrect. I demand that all three credit bureaus remove late payment and negative.
Consumer complaint received 2021-05-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (PA)

There was a nationwide issue last week where XXXX who is the parent company of my mortgage company XXXX XXXX withdrew my mortgage payment of {$1100.00} four times in one day for a total of {$4700.00} in unauthorized charges after the initial correct mortgage payment was made days before. The main issue is that my banking institution CHASE bank allowed the unauthorized withdrawals to take place even though we don't have auto bill pay for our mortgage payment. So each month we go in and authorize the payment each time we pay our mortgage. I was out of town on a business trip and had no access to my money for the entire day. I would like to investigate how and Why Chase allowed for unauthorized payments to be taken out of my account, especially when I do not have auto bill pay for my mortgage payment.
Consumer complaint received 2023-04-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

The credit reporting company did NOT investigate the disputed matter against XXXX XXXX XXXX XXXX. Had a proper investigation taking place the credit reporting company would have discovered that this debt was apart of a bankruptcy in XXXX and XXXX XXXX XXXX obtained the debt after XXXX  court on XX/XX/XXXXXXXX On my Experian and XXXX credit report, the date of the debt is incorrect and allows the company to report the debt longer than legally allowed. Additionally, this debt was from a homeowners association ( XXXX XXXX XXXX  ) that was paid in full when the home sold in foreclosure in XX/XX/XXXX. The home was sold and the debt was transferred before they realised the sale and record deed in XXXX XXXX XXXX. This XXXX XXXX XXXX XXXX WAS APART OF A FORECLOSURE. This is easy information to obtain had the Experian and XXXX ACTUALLY investigated the matter, which they did not.
Consumer complaint received 2021-10-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I received a text message on XX/XX/XXXX indicating I had authorized a XXXX payment to an unknown party for {$3500.00} from Bank of America and to reply NO if I had not initiated that payment. I replied NO and received an immediate phone call from Bank of America indicating the payment needed to be reversed through XXXX by sending the funds back to myself. The Bank of America representative walked me through the process. The total amount of {$3500.00} was transferred out of my account on XX/XX/XXXX and I called Bank of America who informed me it was not them calling although the number matched their customer service number and they took a claim from me. They said it could take up to 90 days to research. I called back around 45 days and they said they had not recovered any funds and then I called back XX/XX/XXXX and they said there was a note on XX/XX/XXXX that they were trying to recoup funds from the other user 's bank but no one called me and informed me of the update. I filed a complaint with the FTC on XX/XX/XXXX. I have attached the emails I received confirming the transactions and indicating they were from Bank of America. I have attached several news reports of the exact same situation for which all of them were initially denied by Bank of America and the consumers were refunded per Regulation E once a media source became involved. I have not involved the media.
Consumer complaint received 2021-10-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NC)

On XX/XX/2021 Citibank closed an account with pending ACH credits totaling at least {$2000.00}. Citibank refuses to confirm the account balance that will be sent as a check and will not completely close the bank account in order to try and collect fees until the account balance is {$0.00} ( basically steal money ). They keep saying the account will be closed in 60 days but the account is already closed since it is restricted. By waiting these 60 days they will try to collect fees such as inactivity or monthly fees in order to steal money.
Consumer complaint received 2021-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I closed account either in XXXX or XX/XX/2021. I then paid off the account XX/XX/2021 based on statement on the online account for Capitol One. I then went today to cancel another service I had through them XXXX XXXX and saw that I still owed money for the account that I had paid off. 
I called customer service to ask why I had this charge. I was advised by a CSR that I had to call in for final payment amount BUT there is NOTHING in writing on statement that states I need to make this call for final payoff of account. I did pay it BUT I advised that I wanted to file a complaint that this needs to be communicated with their customers. 
This needs to be in writing for ALL to know.
Consumer complaint received 2022-01-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY (KY)

On XX/XX/2021 I deposited a check for {$3000.00} into my American Express National Bank High Yield Personal Savings Account. The check was written from the XXXX XXXX XXXX account of XXXX XXXX XXXX XXXX and was payment for freelance work. The check cleared and the funds deposited, but then on XX/XX/XXXX the deposit was rescinded and my interest deducted from my account. AENB claimed the deposit was a duplicate and the check had already been deposited at another institution. Since receiving the check, it has only ever been in my possession and I have only ever deposited it once. American Express claimed XXXX XXXX XXXX initiated the return and that my client needed to get documentation from them. 

I asked my client at XXXX XXXX XXXX XXXX  to talk to her Bank and they provided her with documentation that the check had cleared their account on XX/XX/XXXX and deposited into an American Express National Bank account, including check images that matched my endorsed and deposited check. There is no record that those funds were being returned to the XXXX XXXX XXXX account, despite American Express insisting the funds were being returned to XXXX I provided the documentation to American Express with no response. Moreover, their insistence that the funds were being returned in XXXX business days has not materialized XXXX weeks later. As of now, XXXX XXXX XXXX XXXX does not have the {$3000.00} in their account, nor do I have it in mine. 

Twice I've been assured by American Express that my issue would be escalated to a supervisor, but in XXXX weeks I have heard nothing. Again, I have not deposited the check and the original is still in my possession. While XXXX  has been responsive with the documentation they have, AENB has not and I am still missing {$3000.00}.
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Farrell Holdings, LLC (UT)

XXXX XXXX XXXX and Prime Acceptance are double reporting a debt. I have recently looked at my credit and noticed that this debt is reporting twice. This is a violation under the FCRA and this needs to be fixed immediately.
Consumer complaint received 2023-04-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Can you please remove the late payment from my credit because I want to make a purchase but I cant buy it due to the late payment when I couldnt make the payment I had a lot of things going on and thats the reason I wasnt able to pay it off but I have paid it off already please can you help me with this thanks the late payment was XXXX/XXXX/23 After that I already paid everything well thanks
Consumer complaint received 2023-04-09
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. (NJ)

XX/XX/XXXX XXXX & XXXX BLOCK/METABANK/EFS Experian XX/XX/XXXX XXXX Experian XX/XX/XXXX NOWCOM/WESTLAKE FINANC Experian XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX ACCEPTANCE Experian XX/XX/XXXX NOWCOM/WESTLAKE FINANC Experian XX/XX/XXXX XXXX XXXX Experian XX/XX/XXXX CREDIT ACCEPTANCE Experian XX/XX/XXXX XXXX XXXX Experian XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX Experian
Consumer complaint received 2021-10-26
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. (FL)

I have a loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/2020, and XX/XX/2020. There was an error on their part. I was never 30 days late twice.
Consumer complaint received 2021-10-26
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. (FL)

I have a loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2020, and XX/XX/2020. There was an error on their part. I was never 30 days late twice.