davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (NY)

Cit Bank Mortgage # XXXX The above loan was modified as of XX/XX/2017. My problem is the trial payments of {$2100.00} XXXX I paid from XX/XX/2017 to XX/XX/2017 was not properly allocated in to my account. When ever I calls they are giving me a run around and not properly giving the correct explanations. 

We want help in this matter. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York! XXXX. 

Tele # XXXX XXXX XXXX
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: EQUIFAX, INC. (AL)

My local XXXX bank is XXXX minutes away from my house so taking the check monthly takes time. So the local bank told me to use the mobile app to pay it online for convenience. So the following month on XX/XX/2023 I did just that. On XX/XX/2023 I woke up on a Saturday morning to a credit report notification saying my payment was 30 days late. I immediately called the bank and found out the payment was never drafted by their system. I offered to pay it over the phone and the rep took all my information along with ACH information and then processed the payment. I was then told the payment system was down and they payment did not go through. I was told I could call back on Tuesday as Monday was a banking holiday. The next week I went back to the local payment and made a double payment to cover the previous month and the current month. I've contacted XXXX several times about fixing the credit report and they refuse to accept any responsibilities for the mobile app working incorrectly. They also refuse to acknowledge there system was down when I called in. So I tried to move past the faults and ask for a good faith fix to my credit report and pointed out that I have never had a late payment in my XXXX years of using credit. They still refuse to work with me to resolve my credit report issues.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I've contacted the credit reporting agencies and placed a fraud alert on my profile after my information was stolen in XXXX. I researched my profile and found XXXX accounts ( XXXX & XXXX ) that I have no knowledge of or affiliation with. These accounts are being reported to my profile without my consent. 

I have the right to privacy and have not given any written consent. Furnishing this account is in violation of 15 USC 1681b I have no relationship with these creditors and these accounts are being furnished due to identity theft. Furnishing identity theft accounts that have not been verifiable is in violation of 15 USC 1681 c-2 I requested that my address was updated and fraudulent ones were removed to prevent linking me with fraudulent accounts.
Consumer complaint received 2020-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Credit Bureaus are the biggest fraud against people in this country. Why do bad information rather pay off or keep showing up on credit reports while good reporting disappear. Why is XXXX  still consider a reputable reporting agency when it allow a massive data breach. XXXX, Transunion and XXXX  are totally discreditable agencies. I do what they do I would be arrested for fraud. Why is my credit score 70 points different between the three? These agencies need to be investigated and regulated.
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: EQUIFAX, INC. (SC)

In XXXX of 2022, I received a settlement letter to pay the past due amount of {$250.00} to close the account. I called the company in XXXX to request a pay to remove collection agreement, the representative agreed. I made the payment in XXXX of 2022. A month later I checked my report and noticed that the debt is still showing with a balance of {$250.00} and it says " charged off as bad debt '' " profit and loss write off ''.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( sections 604 A section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose.
Consumer complaint received 2017-03-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (GA)

I have a home which was damaged by water. We received the homeowners insurance proceeds. These proceeds were made payable to me and the mortgage company, Roundpoint mortgage. We have provided Roundpoint mortgage all documentation to release said funds so we can get the repairs done and move back in the home. Each time we call to see what the delay is, they request for additional documentation on the contractor. We are behind on the mortgage and are submitting a loan modification, but we really need Roundpoint Mortgage to release the funds so the repairs can be done.
Consumer complaint received 2018-01-30
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. (GA)

XXXX XXXX XXXX is reporting to the credit bureaus that i am 30 days late. The account is not late and the reporting needs to be corrected. Per the credit bureau the account is late for XXXX, XXXX, XXXX and XXXX. Per XXXX XXXX XXXX records i have made payments before the 30 day mark. My account is due by the XXXX of each month 1 ) XX/XX/XXXX received {$1200.00} to satisfy XXXX payment 2 ) XX/XX/XXXX received {$1200.00} to satisfy XXXX payment 3 ) XX/XX/XXXX received {$1200.00} to satisfy the XXXX payment 4 )  Not sure how XXXX can be marked as late when the month of XXXX is not over yet My account is due on the XXXX of each month, as you can see we are not 30 days late, we are close to the 30 day mark, but it is not 30 days over. I am requesting that the credit bureaus be updated to reflect payment on time. My mother in law has directly paid the mortgage since XX/XX/XXXX and somewhere a payment was missed. In XXXX, i will be making a double payment to ensure that we are not so close to the 30 day mark.
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX is reporting to the credit bureaus that i am 30 days late. The account is not late and the reporting needs to be corrected. Per the credit bureau the account is late for XX/XX/XXXX and XX/XX/XXXX. Per XXXX XXXX XXXX  records i have made payments before the 30 day mark. My account is due by the XXXX of each month 1 ) XX/XX/XXXX received {$1200.00} to satisfy XX/XX/XXXX payment 2 ) XX/XX/XXXX received {$1200.00} to satisfy XX/XX/XXXXpayment 3 ) XX/XX/XXXX received {$1200.00} to satisfy theXX/XX/XXXX payment 4 ) Not sure how XX/XX/XXXXcan be marked as late when the month of XX/XX/XXXX is not over yet My account is due on the XXXX of each month, as you can see we are not 30 days late, we are close to the 30 day mark, but it is not 30 days over. I am requesting that the credit bureaus be updated to reflect payment on time. My mother in law has directly paid the mortgage sinceXX/XX/XXXXand somewhere a payment was missed. In XXXX, i will be making a double payment to ensure that we are not so close to the 30 day mark.
Consumer complaint received 2023-12-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Credit Karma (CA)

Since yesterday, XX/XX/XXXX I have requested my phone number to be updated so I can access my account by via credit karma chat. Customer service has requested that I send my required identification : id also ss card by email link given. These documents were uploaded and sent. I have communicated numerous of times throughout the day yesterday and this morning XX/XX/XXXX on the issue. I was given a link to follow so that I could add a phone number. I was not able to do so ; however Credit karma was able to delete my phone number but not add one. Upon my request to speak with someone over the phone about this issue I was told there is nothing they can do. My response was even if I provided verification of my identity and willing to supply the proper documentation once again. So therefore over the phone and through via email I could not get the help to access my account where I receive my funds. I receive payment from my job by direct deposit through this company into my account bi weekly. Because of this I am not able to get gas for work, personal needs, feed my family, pay rent due because I cant get to my money.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : SXXXX 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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 ) 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 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

Your company is in violation of my right and if this is not resolved i will be seeking litigation. you guys allow this frauduelent account to be reinserted back on my credit report after deleting it after i attached a ftc report and a police report.
Consumer complaint received 2021-01-21
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (MA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?
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: EQUIFAX, INC. (FL)

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting.
Consumer complaint received 2021-01-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/20 {$33000.00} was wired from my bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX to Chase Bank XXXX XXXX XXXX XXXX NY Account No. XXXX Routing No XXXX. This was for the purchase of a RV purchased thru XXXX XXXX This sale turned out to be a scam so we contacted our local police and the FBI and currently there is an investigation in progress. The investigators are trying to obtain information from the banks in regards to this transaction so that the scammers can be caught.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
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: EQUIFAX, INC. (GA)

Good Morning to all parties involved, According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with [ XXXX XXXX XXXX for the month of XX/XX/2023 ] to be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Consumer complaint received 2020-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CO)

Again, Chase has looked my online account, denying me access to my money. This has happened several times, the last time being two weeks ago. 

The number that they post on their website is incorrect, and I had to be transferred twice. There are long wait times every time. 

Then, every time, the answer is that I have to go to the branch. That is very inconvenient.
Consumer complaint received 2018-01-30
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. (FL)

I noticed XXXXredit inquirys on my Equifax report that I did not authorize. 
I disputed 5 items on my equifax report on Equifax website XX/XX/2018. 
I checked online communication regarding feedback. 

I have not received confimation of dispute and when I go online and enter dispute confirmation I recieve a message stating that the information I gave does not match with the information they have on file.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

Mailed three letters stating I'm a victim of identity theft with police report and FTC report filed multiple disputes on all three credit bureaus called spoke to the branch directly let them know of the situation demanded it immediately be taken off of my credit report and deleted published all necessary documentation of FTC report and filed a police report still nothing done it is affecting my credit and stopping me from purchasing a home. It was a bad check for XXXX that was fraudulent and I was unaware of in 2022 due to the fact of identity theft and fraud
Consumer complaint received 2018-01-30
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. (CA)

I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the case and stating my reasons had nothing to do with them the account was VALIDATED well i asked to be sent proof and that was not done I NEED THE ACCOUNT TO BE VALIDATED, Proof of My WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX  California XXXX acct. XXXX XXXX XXXX  # XXXX $ XXXX ...
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2021-05-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp. ()

I used worldremit to transfer money from XXXX to XXXX on XX/XX/2021, they guaranty pick up in just 30 minutes, but I waited for more then 10 days and they were telling my recipient to go ti pick up the money. But money wasn't available for pick up even on the XXXX day on XXXX XX/XX/2021 Their consultant was rude to me even after waisting my and the recipients time for more then 10 times and now after the 10th day they are telling me to wait another day.