davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-10
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. (FL)

I have been going back and forth for ages with Experian about this accounr with XXXX XXXX. Not only have I advise them that This account doesnt belong to me. But Experian is monthly reporting a charge off history which is bringing my score lower than the pits of held how can they report monthly charge offs on a closed account? Thats a violation Im requesting removal of account
Consumer complaint received 2021-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (MA)

I have an active bank account with Peoples United Bank, XXXX XXXX XXXX, XXXX, MA XXXX, XXXX. 

When this account was opened, it included a debit card which I did not attempt to use until recently. The card did not work several times which prompted me to go to the bank. I was told it was shut off because it was not actively used. I had never been notified that it had, in fact, been shut off and informed them of this. 

A bank rep then issued me a temporary card to use until a new card could be processed and delivered by mail to me. The temporary card is embossed Preferred Customer where my name would normally appear. 

This card also does not work. I have used it twice to process an order with XXXX only to get a later response of Payment Revision Needed. This prompted calls to XXXX and Peoples United Bank trying to figure out why. 

The call to XXXX XXXX Customer Service had a representative questioning me whether the card was activated ; I informed her it was done by the bank rep who issued it to me. She had me change my pin, also. She also notified me that my new card might arrive around XX/XX/XXXX. 

XXXX informed me that payment for both of the orders was rejected by the issuing bank. 

In yet another phone attempt, I contacted yet another Customer Service Rep at the Bank. This rep insisted everything was working properly. 

Fed up with the cars being rejected, I went back to the Bank and withdrew {$600.00} in cash. I requested {$500.00} remain in the account as I need to bridge an account into a new bank. ( Do you blame me? ) I requested a check be made out to me, XXXX XXXX and Cash, for the balance. I was told the check would cost me {$5.00} and the Bank would not allow the check to be made out to cash and me. They would only allow my name on the check. 

Seeing as I have literally spent hours at this point actually being physically present in this bank and spending time on the telephone with bank employees trying and trying and trying to resolve matters, my approximately $ XXXX still sits there where access is impossible unless I go back to the physical bank for the third time and attempt to make a withdrawal for the balance in cash. One can only imagine the roadblocks theyll have ready to stop me from getting my own money. 

There is something steadfastly wrong with their practices that none of their employees can figure out this problem as to why the Preferred Customer card is NOT working.

I need my money as soon as possible and I would ask that you assist me in addressing my issues with Peoples United and helping me get my funds. 

So much for being a Preferred Customer. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX
Consumer complaint received 2021-10-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (CA)

I applied for a cash-out refinance with NewRez on or around XX/XX/2021. I wanted to take out {$30000.00} in cash to pay for improvements, including a new AC unit and some kitchen renovations. During the process, I asked my loan officer what would happen to the escrow funds on my now-previous loan, and was told by my loan officer that I would be refunded these funds after closing. 

After this point, my wife and I began getting estimates for a new AC unit and other home improvements. In mid-XXXX, I received an updated Closing Disclosure that indicated I would be receiving {$26000.00} in cash out instead of {$30000.00}. I emailed my concerns and my new loan officer ( who had replaced my initial loan officer ) called and told me that the amount had changed because, in part, I had to pay for the escrow on my new loan up front. I reminded my new loan officer that the previous loan officer had told me I would get a refund for my previous escrow funds, which at that point had totaled {$3400.00}. I asked if I would still be refunded this amount after closing. He confirmed I would. Because I was not getting the cash out that I expected, this refund meant I would still have {$30000.00} for the improvements we had budgeted. 

I signed closing papers for my loan on XX/XX/2021. Except for the cash out figure rising slightly to {$27000.00}, I did not notice anything unusual during signing. My loan funded on XX/XX/2021 and the funds hit my account the following day. 

On XX/XX/2021, I sent the senior loan processor on my loan an email asking when and how the refund from my previous escrow account would arrive, as had been promised to me. The processor claimed I had signed a document during closing that authorized NewRez to apply my previous escrow funds to my loan payoff. The processor sent an unsigned copy of this document, which I do not recall seeing before. My wife and I both went through my loan file provided to us by the notary several times and could not find a copy of this document. 

So, first, I was told I would receive {$26000.00} cash out + {$3400.00} escrow refund for a total of {$30000.00}. We ended up getting {$27000.00} and no escrow refund. Even if I signed the paper NewRez claims I did -- and I DON'T believe I did -- where did the other {$3000.00} go? 

As a result, we now are forced to cut our home improvement budget by 10 % or take out a second loan.
Consumer complaint received 2021-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Transunion continues to fraudulently report a collection from XXXX XXXX XXXX and an account from XXXX XXXX. Ive informed Transunion that neither creditor has provided any form of validation pursuant 15 usc 1692g. Transunion has also failed to supply any documentation that I have asked for. Pursuant 15 usc 1681i Transunion has not provided me with the requested documentation on how they verified and validated the fraudulent information being reported on my consumer reports. At this point I have no other reason to believe that they are willfully being negligent and refuse to follow the law which puts them in direct violation of 15 usc 1681n. I have no other choice but to escalate this matter through the FTC and through the CFPB.
Consumer complaint received 2021-10-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX Bank Of America RE : Mortgage Loan Modification # XXXX Home Retention Department TO WHOM IT MAY CONCERN I am accompanying letter with the most recent documents for the loan modification signed by XXXX XXXX XXXX in XX/XX/2021 to amend apparent errors made in the XXXX documents. 

I am stating that there were issues that I had which were not addressed and in fact not clarified. They are : Why were there unapplied funds of {$13000.00} why were they being held in suspension without paying me interest. 
Why did these funds not account for a reduction in principle from {$290000.00}. 
Why does the current principal and interest reflect payments to the $ XXXX balance not the XXXX which reflects the amount held in suspense? 
How did the last loan mature at @ $ XXXX in XXXX with a 3.6 % and monthly payments of {$2500.00}. To go to a loan modification for $ XXXX at 2.125 % with monthly payments of XXXX? 
Why did I never receive a reconciliation of the modification. I paid the trial fees for fear of initiating some denial of the loan. I have asked several times of customer service for clarification of amounts being held in suspension to no avail and other discrepancies. 
What are the overdue payments, fees, and charges that have a positive balance of {$7400.00}. I dont believe that there are any, at least I have not been notified of them. 
Why is my signing the document so time sensitive when you have had these documents since XXXX without making any clarifications to me. Makes me think I am being cheated. 
I feel blind sided for having limited time to get answers or clarifications before having to sign what ever changes you may have made. 

Sincerely XXXX XXXX XXXX
Consumer complaint received 2021-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

In reference to XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, and XXXX. I disputed these items and your company said that the listed companies were verified as accurate. I was in dispute with the results and requested a method of verification, which is within my rights according to a section in 611 fcra. I have asked several times for them to provide that information to me and it seems as if they refuse to. The company only had 15 days to provide that information according to fcra or if not I can sue for damages if they are not able to provide. Its been over 2 months and I still have not received a response 3rd request. Also they are reporting a company I do not have a contract to pay them and they are not suppose to be reporting on me. The company is XXXX XXXX XXXX. The company and experian are really not in compliance when reporting information on me. And experian is not in compliance when reporting any of the other accounts because they can't provide methods of verification. This means that experian is not properly reporting due to noncompliance of not being able to provide verification of the accounts in question.
Consumer complaint received 2022-06-27
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. (PA)

Hello, I am writing you guys today because my credit report has been used illegally. XXXX Bank Account number XXXX has violated my rights. 15 U.S.C 1681 section A. states that I have rights to privacy. Also 15 U.S.C 1681B states any consumer agency may furnish a consumer report under the following circumstance and no other : with the written instructions of the consumer to whom it relates. I did not give this company or any company my written instruction to report this account on my credit report.
Consumer complaint received 2021-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX, XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2022-10-10
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/2021 XXXX XXXX Trans Union received an identity theft report sent by me informing them of an account XXXX being fraudulent persuant to XXXX XXXX XXXX XXXX ( a ) - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report today is currently the XXXX of XXXX and the account has still not been blocked
Consumer complaint received 2021-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have contacted Credit Bureaus/Agencies ( XXXX and TransUnion ) and the Creditors ( XXXX XXXX and XXXX XXXX XXXXXXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2021-10-10
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: Experian Information Solutions Inc. (AR)

This was a time share. We hired someone to give it back to them due to the fact that we were lied to and stolen from. We were treated very rough when. We had a meeting with them and we wouldnt give them more money about buy more of the time share. This has been going on 6 years and it needs to be removed as this was closed and charged off in XXXX as you can see they only reported on XX/XX/XXXX no other times There are some many factual inaccuracies on here that they have violated the fcra all the way around. The dates are inconsistent the reporting is inconsistent the balance is inconsistent. It has been reported as almost therefore they have collected insurance on this and they are owed nothing from me. Please remove at once thanks
Consumer complaint received 2021-10-10
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. (MA)

experian was given legal docs to prove i did not have the car in XXXX they will not accept them why it proves XXXX is responsible loan was paid off in XXXX of XXXX and they reported i was still paying in XXXX to XXXX whick i was not and late in XXXX and XXXX which i was not 36 month lease was up in XX/XX/XXXX how can i be still paying it in XXXX XXXX XXXX XXXX XXXX and then late in XXXX and XXXX they are lying 36 month lease started in XX/XX/XXXX add 36 to that not the 44 months they reported add it up experian do the math look at the facts EXPERIAN ADD THE STATEMENT TO THIS 3RD TIME ASKING
Consumer complaint received 2021-10-10
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. (CA)

I Disputed 6 late payments entries with all 3 credit bureaus XXXX, XXXX and experian for XXXX XXXX XXXX after they failed to update my credit file. I had 6 late payments with XXXX XXXX XXXX due to losing my job during the pandemic. I reached out to XXXX XXXX XXXX and the XXXX  XXXX  XXXX  and XXXX XXXX XXXX agreed to mark 5 of the 6 late payments to neutral for the 5 late payments for XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. The changes reflected in XX/XX/XXXX. On XX/XX/XXXX when I checked my credit it showed I had 19 late payments which is completely incorrect. This incorrect information dropped my credit score by 100 points.
Consumer complaint received 2021-10-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NJ)

XX/XX/2021 was charged XXXX overdraft fees totaling XXXX dollars on transaction XXXX of the XXXX dollars XXXX and XXXX dollars but due to td banks delays between the balances such pending balance and available balance in my checking they do not calculate there charges and delay them there for putting you in a congruent cycle of over draft whole you assume you have funds they due it via there discretion but capatilize on low balance moments to compound more fees a highly predatory practice.
Consumer complaint received 2021-10-10
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. (VA)

While I was XXXX XXXX XXXX a bunch of inaccurate information was posted to my credit reports. When I requested validation of XXXX XXXX XXXX I received XXXX letters that stated my dispute was determined to be frivolous and irrelevant and that they would not investigate it. See attached. XXXX XXXX added several things to my report and attempted to collect several debts knowing I was XXXX XXXX and XXXX. XXXX XXXX reports a XXXX month contract ; XXXX on time payments but is claiming the account wasn't paid in full and added additional late payments after all payments were made. XXXX is reporting a XXXX and portfolio is reporting that same card with a different account number and different amount. Fifth third bank is reporting several late payments that my wife paid while I was on XXXX, along with an duplicate account to add more late payments to the report. I sent proof of payment and they continue to report negatively. Absolute resolutions was another account that was added to my report while I was XXXX. They refuse to comply with the XXXX and FCRA. There are several errors on my report an nobody is doing anything to correct or remove the inaccurate information.
Consumer complaint received 2021-10-10
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. (GA)

I have sent several letters to experian supporting my claim to remove the late payments from student loans on my account as they are showing different dates and payment status on the three main credit bureaus, which means this information that they claim to have verified is INACCURATE and they can not report inaccurate information which is now causing harm to me by reflecting my credit score poorly, and that is an embarrassment and is not allowing me to get certain jobs because they choose to continue to report this WRONGFUL NEGATIVE information. Also pursuant to 15 U.S. Code 1666b. Timing of payments they have violated me by reporting late payments on account they have not given me written notice of a payment being due 21 days before due date. I would now like these accounts remove from my credit profile due to the violations and due to the disregard of my request and blatant lying and continuous amount of pain I have been inflicted due to this wrongful reporting.
Consumer complaint received 2021-10-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc. (CA)

My name is XXXX XXXX I am who I say I am and no third party is involved with submitting my complaint. 

Santander has threatened to seize my vehicle and has used this threat to attempt to coerce payment from me which is a violation of the cease and desist that I have in place with them. when I called and spoke to the reps about the harassing and abusive letter they sent me they gave me false and inaccurate information and I made them aware that this would be considered an unfair practice under 15 usc 1692f Santander has already committed mail fraud pursuant to 18 usc 1341 and by threatening to take my property is constituting 18 usc 1961 ( 1 ) which is a racketeering activity
Consumer complaint received 2021-10-10
Product: Credit card or prepaid card — Store credit 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: AMERICAN EXPRESS COMPANY (WA)

Booked hotel through American express on XX/XX/2021. American express charged {$370.00}. 

Problem : American express failed to pay vendor resulting in vendor directly billing us, again. 

contact American express leads to phone tree options and no solution. Representative recommend I dispute with hotel.
Consumer complaint received 2021-10-10
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: ERC (CA)

I PREVIOUSLY CONTACTED THE COMPANIES AND LISTED SUPPORTING DOCUMENTS BELOW TO HAVE THESE FRAUDULENT ACCOUNTS. I HAVE CONTACTED THE DATA FURNISHER AND ASKED THEM TO REMOVE THE FRAUDULENT ACCOUNTS. 

ACCOUNTS : 1.ENHANCED RECOVERY XXXX UNAUTHORIZED ACCOUNT 2.XXXX XXXX XXXX/XXXX XXXX UNAUTHORIZED ACCOUNT