davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
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. (SC)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MD)

I clicked a link on XX/XX/2021 to open XXXX checking and savings accounts. The terms stated that if I deposited > {$200000.00} within 30 days and maintained that balance for 60 days, I would receive a {$1500.00} bonus within 90 calendar days.

I deposited {$210000.00} between the two accounts on XX/XX/2021 and have maintained the balance since then. I called over the summer and an agent confirmed that my account was eligible and I would receive the bonus by the end of XXXX. 

Having not received the bonus I called again on XX/XX/2021 and the agent confirmed the promotion was linked to my account and I should have received the bonus. They opened an internal case and was told I'd hear a response within 5-7 days. 

On XX/XX/2021, I called back and the agent said there was no record of the promotion being tied to my account and also no record of my call on XX/XX/2021 ( which I received an email survey asking me about ).
Consumer complaint received 2024-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

It seems to be impossible to get someone on the phone at Mohela. Wait times are over XXXX hours long. When you finally get someone on the phone, the call drops, and they never call back like they said they would do if such a thing happened. You're then stuck in a never-ending cycle of calling and waiting. I need to get my student loans out of forbearance, which I would think would be a simple process.
Consumer complaint received 2023-04-04
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. (SC)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-01
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: Experian Information Solutions Inc. (IL)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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 consent.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

There are two inquiries in my credit report that I did not authorize and both inquiries should be removed. 

1- Inquiry from XXXX XXXX XXXX  XXXX XXXX XX/XX/2021 XXXX Inquiry from JPMCB - CARD SERVICE on XX/XX/2021
Consumer complaint received 2022-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NY)

I have a mortgage with Rocket Mortgage, XXXX Quicken Loans. My taxes and insurances are held in Escrow, each year. In XX/XX/XXXX, Rocket Mortgage paid out the incorrect amount for the Flood Insurance, with FEMA. Rocket Mortgage, paid out {$7000.00}, the correct amount should have been {$750.00}. I received an Escrow analysis from Rocket, on XX/XX/XXXX. To my surprise not only did I have a negative Escrow, but my new monthly payment was skyrocketing from {$1200.00}, to {$2800.00}. I knew immediately there must be a mistake. I contacted my Insurance agent, who then contacted FEMA, to get this problem corrected and they have since issued a refund for the overpayment. Plus, Rocket mortgage was notified of this. The reason for my complaint is because Rocket Mortgage, insists I pay the higher, incorrect amount, of {$2800.00} ; until the negative Escrow is resolved and a new Escrow Analysis is done. My problem is I can not afford to do that, for the next few months, as they suggest. I am also concerned with my credit report being affected, if this problem is not corrected soon. My next payment is due XX/XX/XXXX.
Consumer complaint received 2022-05-01
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: EQUIFAX, INC. (IL)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 consent.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

I HAD AN ACCOUNT WITH XXXX XXXX, THEY CHARGED OFF THE BALANCE OF XXXX IN XXXX, NOW THEY ARE REPORTING THAT THEY CHARGED OFF THE BALANCE IN XXXX ( ONLY TO EQUIFAX ).

MY MORTGAGE LENDER SAID THIS IS ON A XXXX  XXXX REPORT AND I COULD NOT SEE IT, SO I CAN'T DISPUTE IT ONLINE. 
XXXX XXXX DENYS THAT IT IS REPORTING THE CHARGE OFF IN XXXX, MY LENDER SAYS THEY ARE. 
I WAS TOLD AS OF XXXX, XXXX IT SHOULD NOT EVEN BE ON MY CREDIT REPORT.
Consumer complaint received 2021-08-23
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. (PA)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2020-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2022-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc (NY)

I been receiving numerous texts and phone calls any time of day from this company sometimes after XXXX. I text stop the notifications still were coming in. Then I received a letter stating that I owe a debt from XXXX years ago. I sent out a validation letter for validity and proof of ownership. It's going on 30 days and I have not heard back from this company at all. If they can't show me proof of validity they need cease collection and send Me a letter stating that they have the wrong person and they leave me alone.
Consumer complaint received 2022-04-30
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. (GA)

I am writing this notice in reference to the initial dispute I filed about unauthorized items on my consumer credit report being identity theft. As a reminder, all consumer reporting agencies have to comply with the Fair Credit Reporting Act ( FCRA ) in its entirety. You are also required to provide fair, accurate & equitable reporting with respect for the consumers right to privacy. To reiterate, I am a victim of identity theft. I submitted the initial dispute with the following documents : Federal Trade Commission report, identity theft affidavit ( notarized ), proof of identity and a bill of particulars. In accordance with 15 USC 1681c-2, these items were supposed to be removed within four ( 4 ) days of receipt of notice. However, your company did not remove these fraudulent items from my consumer credit report which is causing me to experience adverse action when trying to acquire shelter, transportation and credit. To be clear, this dispute was NOT made in error, this dispute is NOT based on material misrepresentation of facts, and I did not obtain possession of goods or services as a result of any blocked transaction. This is NOT a frivolous claim, as I am the protected consumer initiating this dispute. These items are causing defamation to my character and harm to my mode of living. I made it clear that these unauthorized items are a result of identity theft. You have not provided me with your method of validating these items or any documentary evidence to prove these items belong to me as I requested over 30 days ago. E-Oscar is NOT a proper means of investigation. Your company will be held liable under the willful non-compliance section of the FCRA ( 15 USC 1681n ) if you do not remove these items indefinitely from my report. You will also be liable for any adverse action I experienced due to the furnishing of these inaccurate items. The evidence of adverse action has been attached to this notice. XXXX conducted a proper investigation and removed these items from my consumer credit report in their system in accordance with the FRCA. You are required to do the same. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Please correct this error and remove these items in good faith or I will proceed with legal matters. All information has been forwarded to the State Attorney General, the XXXX XXXX XXXX the Consumer Financial Protection Bureau, the Federal Trade Commission, and the registered agent, CEO and CFO of your company. Please notify me in writing of a settlement offer to resolve this error as well as written notification that the items have been deleted within four ( 4 ) days of receiving this notice to avoid any further violations. Thank you in advance for your cooperation.
Consumer complaint received 2024-02-05
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: Experian Information Solutions Inc. (MI)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX DOB : XXXX Experian National Consumer Asst. Center XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX- this account date of last active is out dated & wanted removed & BANK FURNISHED STATEMENTS NEEDED IF NOT REMOVED XXXX XXXX- THIS ACCOUNT IS OUTDATED & over 7 years please delete due to inaccurate information & date last active is incorrect out dated over 3 months. REPORTING OUTDATED INFORMATION XXXX XXXX THIS ACCOUNT IS OVER 7 YEARS OLD NEED REMOVED DUE TO OUTDATED VIOLATION. REPORTING OUTDATED INFORMATION Please remove this items due to inaccurate information hurting me I am awaiting your response and an updated copy of my credit report within thirty days as required by the Fair Credit Reporting Act
Consumer complaint received 2018-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

I have a fraudulent atm transaction on my HSBC debit card. I got a letter today saying they denied my claim, that the transaction was authorized. Umm, HELLO PEOPLE! I most definitely did NOT AUTHORIZE any such transaction. Theyre zero liability policy isnt worth a thing if theyre just going to deny your claim for no reason! I DID NOT AUTHORIZE THIS TRANSACTION!!!!!!!! I am not letting this go! I was ripped off and youre not honoring your zero liability policy. Youre supposed to be on my side, not the thieves side!
Consumer complaint received 2021-10-26
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. (MD)

I am attempting to get my credit score from Transunion and the score is not available. I have to pay to get the score. Why do I have to pay for this number that dictates my life? I can not accept this XXXX! I do not pay XXXX for their credit score. They update me when there are issues. So why would I not be able to get this detrimental information when I want without paying for it? I feel that you're holding my credit score for ransom and this should be, if not illegal. If your reporting has any determining factor in my life then you should share this information for free and not charge me or anyone for it ever!!!
Consumer complaint received 2021-11-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: MoneyLion Inc. (IL)

I have an XXXX advance and I asked if I could pay it in early XXXX as I am changing jobs and my paychecks will be weird for a bit. Them forcing me to pay it now would preclude me from paying rent. I was in contact with a customer advocate and he told me because I once had an extension I can not have another. He would not entertain any other solution and was disgustingly rude.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY (TX)

On XX/XX/XXXX, an unknown person applied for a credit card online. I was notified by XXXX and hopefully terminated the application. I was contacted by Target and they said the person had my info. They directed me this website.
Consumer complaint received 2021-11-09
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. (FL)

XXXX XXXX Attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Email : XXXX Reasons : I would like all of my derogatory remarks removed immediately. Many of these accounts fall under the statue of limitations or are misreporting on my credit report. 
Please apply these laws to my account : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' ) Account Name : XXXX XXXX  Account number:XXXX Date Filed : XXXX, XXXX Type of Account : Collection XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Reason XXXX THIS IS INACCURATE
Consumer complaint received 2021-08-23
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. (GA)

I have been requesting a FULL transaction history of the account reporting on my credit report ( XXXX ). First the account is reporting a date opened on my credit report of XX/XX/2018 which I do not believe is correct. Additionally, this is showing as a business credit card which the documents attached shows that I am not an officer or owner of this business. Additionally, I was XXXX when this account was opened and used so again, this is a fraudulent account. You will find attached my identity theft report and a copy of the secretary of state report showing that I am not a listed officer or owner of that particular business. Please be advised that Im exercising my rights as spelled out by the Fair Credit Reporting Act in Section 609. I am AGAIN requesting a FULL TRANSACTION history of this account including the date that it opened and the last charge/transaction made on this account. That includes contracts or service agreements with my wet signature.
Consumer complaint received 2020-11-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Franklin Financial  Corporation (FL)

On XX/XX/XXXX I researched companies for auto loan refinancing. I found this company online called XXXX XXXX XXXX XXXX. Someone from the company called me in claimed they can negotiate with my lender for a lower car payment they charged me half of my car note to start the process which was {$270.00} I have signed docusigned documents. After 2 weeks I hadn't heard anything from this company when I call them they never answer the phone. Finally I spoke to a lady named XXXX  she claimed I had to get all these different documents from my lender that they never mentioned at first I was suppose to get calls from a worker named XXXX he never called me! ... when I spoke to my lender my lender stated they never heard of this company and that they do no negotiate lower car payments ... I did more research on this company by XXXX  the phone number on the site. I found out they scammed more people claiming to help lower car payments ... I disputed the {$270.00} bank payment with my bank and they denied my dispute claiming they could find no evidence of fraud ... this company is not legit this is the website they use to scam people XXXX XXXX XXXX. There is not enough contact information shared I would like my funds returned to me this time period is already hard due to the pandemic yet you have people out stealing from people by lying like they are out to help!
Consumer complaint received 2021-10-26
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: Experian Information Solutions Inc. (LA)

I was directly affected by XXXX XXXX and I have filed for a XXXX loan. I was told by the XXXX they can not pull my Experian file. After 4 days and 6 hours speaking to Experian I was told that they see my report just fine. I told them XXXX cant and neither can anyone else. They agreed to mail it to me. BUT they said that I have had nothing reported to them in over 2 years. I have a mortgage, many credit cards and I just received a loan and another credit card, Experian obviously does not see this as an issue and they will not do anything about it. This has caused me to have my XXXX process stopped and now I have a roof that will not be repaired. Evidently the XXXX only will use Experian. I am also not able to access my credit file at all online even though I joined as a member to get the information. There is an issue here and all they will do is pass me to every department to verify the same information over and over and be told the same thing. It is not possible that none of my creditors are not reporting to them. I called 5 of my credit cards and all say that they report to all 3 agencies