davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Account status incorrect
Company: EQUIFAX, INC. (NY)

Credit Dispute was filed with Equifax Credit Reporting Systems and Experian about erroneous / incorrect credit reporting from XXXX XXXX XXXX XXXX to the aforestated credit reporting agencies. On or about XXXX XX/XX/XXXX I totaled out my automobile that was financed through XXXX XXXX XXXX Account Number XXXX. ( Title and Lien Holder ) Motor vehicle was deemed totaled by XXXX Insurance Company whom I was insured with. Vehicle was paid off in full by XXXX Insurance Company. Check was issued on XXXX XX/XX/XXXX to XXXX XXXX XXXX in the amount of {$5200.00} which was the agreed amount to completely pay off the motor vehicle. After accepting the check, from XXXX, XXXX XXXX XXXX continued to report in error this account for several months. XXXX XXXX XXXX at first closed the account on my credit file with Equifax, and XXXX and erroneously reported that I owed them {$710.00}. On XXXX XX/XX/XXXX I received a copy of my XXXX and XXXX, and Equifax Credit Report which revealed that XXXX XXXX XXXX re-opened the credit account to display the account was opened and a now a new balance of more than {$1000.00} was owed to them. On XXXX XX/XX/XXXX Dispute letters was sent out to both credit reporting agencies, and to XXXX XXXX XXXX disputing the account as being reported in error, and requested that the original contract be verified to include my signature that I agreed to the amount being stated that I owed after check was sent as the agreed payoff amount. Approximately 45 days later, Credit reports from both XXXX  and Equifax is still reporting the same erroneous account on m credit files. Both Credit Agencies, and XXXX XXXX XXXX refuse to delete the account from my credit files or correct the account as being paid in Full and account closed. I'm you to intervene on my behalf to correct this erroneous reporting, and bring positive resolution to this matter.
Consumer complaint received 2024-11-08
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. (TN)

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

15 U S.C1681 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 or adverse items of information other than records of conviction of crimes which antidates the report by more than seven years.

15 U.S.C.1681s-2 ( A ) ( 1 ) a person should not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed my credit report and was concerned to find several inquiries from your company that I do not recognize or recall authorizing. These unauthorized inquiries have caused me considerable stress, as they are negatively impacting my credit score.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-10-05
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. (TX)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2024-08-30
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. (NJ)

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.

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 2020-10-05
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America XXXX XXXX through the state of California XXXX. 

So basically my account was closed around the day of XX/XX/20 without warning. I called BofA and they said that the XXXX ordered it and the XXXX said that they didn't do any such thing and told me to work it out with Bank of America. BofA wouldn't even let me talk to a supervisor yesterday when I made another frustrated call after seeing the " closed account '' go from having {$1200.00} to - {$81.00}.
Consumer complaint received 2020-07-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

I filed a previous complaint # XXXX. This complaint was apparently closed without proper research, no one apparently even bothered to look at the attached bills or contact the insurance company XXXX XXXX XXXX XXXX, or XXXX XXXX XXXX XXXX. Amerisave claimed in the complaint that the insurance policy was paid in full, it is not. In my opinion Amerisave must have relied of their obviously flawed closing documents, never even reading the attached bills. 

I HAVE NOW RECEIVED A NOTICE OF CANCELLATION FOR MY HOMEOWNER 'S POLICY. 

An escrow account was set up at closing, and I have continued to pay toward this escrow with every mortgage payment since.
Consumer complaint received 2020-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (GA)

I refinanced and was assigned to TMS as my lender in XX/XX/2020. I made a payment to them and then my loan was transferred to XXXX XXXX on XX/XX/2020. My money paid to TMS didn't get transferred over and they said they have 60 days to transfer the money. After numerous follow ups, no one could tell me when my money would be transferred. It is now one week past 60 days and I still have no answer as to what has happened to my money. TMS won't give me any straight answers nor can they explain why my money hasn't been transferred yet. They have not been compliant with their legal obligation to transfer my funds
Consumer complaint received 2020-12-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP (ME)

I attempted to close a checking account with Key Bank and they were unwilling to do that. Months later they charged off the account for {$75.00} which was the result of 3 maintenance fees on the account for aXX/XX/XXXX balance. I am not unable get this resolved as no one in the organization will take responsibility. I am left with no recourse as a consumer as I have been transferred to other departments several times and hung up on as well. This is a clear case of an organization gauging a customer for fees because they're unwilling to do what they're legally required to.
Consumer complaint received 2020-11-30
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: CITIBANK, N.A. (FL)

Hello, I have reached out to XXXX and the company named CBNA/THD directly about the unauthorized credit inquiry that is showing by CBNA/THD but no one have responded or gave me an update about the inaccurate information thats being reported. 

I am hoping that this complaint can make XXXX and CBNA/THD be responsible in deleting negative and inaccurate information like they should especially if they are reporting wrong information to my report that is hurting my score. 

Can you please investigate CBNA/THD with the inquiry date on XX/XX/2020 and have XXXX delete the unauthorized inquiry off of my report. Please?
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION (GA)

during a merger process between People 's United bank and M & T this month, the bill pay section of my checking account ( People 's United ) was left out of the transfer process. as a result the automatic payment ( attached to the checking account ) that was set up, were not made. I reached out to M & T XXXX after receiving a call from a payee about missing payment, spoke to supervisor XXXX to see about possibly restoring bill pay to account or relief with possible late fee I may have incurred. I was met with platitude and no real solution to the problem, they have created. prior to merger, there were no communication about possible glitch with bill pay or about feature not transferring with checking account. as a customer I am left scrambling while the bank hold no responsibility. so far this is the problem that I have encountered with this merger. I wanted it noted that I currently live in a state ( GA ) that does not have an M & T branch.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/year> Subject : Dispute of Inaccurate Late Payment Reporting on XXXX Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history, as I have been enrolled in autopay for all my accounts to ensure on-time payments.

Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. Specifically, the credit bureaus report 30-day late payments for my XXXX account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of the Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that these reporting practices violate TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) also outline civil liability for willful and negligent noncompliance, including actual damages, attorneys fees, and possible punitive damages for failure to comply.

Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that my account be updated to reflect my true payment history of 100 % on-time payments.

Payment History : This account history reflects a consistent record of timely payments. The 30-day late entries reported for XX/XX/year> ( XXXX ) XXXX XXXX and XX/XX/year> ( XXXX ), and XX/XX/year> ( TransUnion ) are erroneous and do not align with my actual payment history.

Attachments : A copy of my government-issued ID Social Security verification Relevant documentation, account statements, and any additional documents that substantiate my history of timely payments I expect to receive written confirmation of the removal of these erroneous late payment entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Thank you for your immediate attention to this matter.

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-03
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. (WY)

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

15 USC 1681 Section 602 states, I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-08-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (TX)

This is related to a claimed a filled before XXXX XXXX XXXX : " I got an auto loan with Ally on a XXXX XXXX XXXX on XX/XX/XXXX. I had an accident on XXXX of XXXX and the car was totaled. My car insurance most of the balance on the car and the GAP insurance paid the rest. For this, the GAP insurance requested ally the balance on the account. Ally provided a " Live Schedule '' ( see document attached XXXX on XX/XX/XXXX where it says that the balance on the account is {$2700.00}. My Gap insurance made a payment for {$2700.00} on XX/XX/XXXX. I did not hear from Ally anymore, and I assume the balance was set. A few months ago, I noticed that I still have a balance on my account for {$130.00}. I tried to contact Ally multiple times requesting an explanation for this, as the GAP insurance paid the total amount last summer. I called multiple time and spent multiple hours on the phone waiting for an explanation, but they always transferred my called to multiple department before hanging up on me. Lately, they have been calling me multiple times, even during weekends ( Mother 's day ) trying to collect the money. At this points it feels as they are harassing me because I have told them to call after XXXX ( CT ) because it will interfere with my job. Also, every time I answer, I have asked them to explain the reason on the balance and they can not provide me XXXX. I am really tired of this situation, especially when it is obvious there is a mistake on their end. The GAP insurance paid the amount requested by them so there should not be a balance. Now, if there is a balance, it means they provided the wrong information. Either way is an error by ALLY. '' Now, I filled out this claim back in XXXX, and during these days Ally kept calling event though I mentioned multiple times there was a claim with the cfpb in process. They even threatened me with reporting and they did. They added a delinquent mark in my report on XX/XX/XXXX, which they did not remove. I found out about this recently when I got an Auto loan denied because of a " past delinquent installment on my report ''. 

As you can see in the documents attached, Ally recognized the balance on the account was paid on XXXX XXXX and it closed the account on XX/XX/XXXX of XXXX, but the they never removed the mark of my report, and this had affected negatively. This has cause me a lot of trouble and unnecessary stress, especially because I spent multiple hours on the phone trying to fix this. I even warned them about the claim, but it seems they did not care and they reported me. I tried to fix this again over the phone, but the treatment was the same.
Consumer complaint received 2020-07-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC (FL)

On XXXX XX/XX/XXXX I was made aware by UAS that I had a payment for my XXXX Loan  coming due. I am in the Georgia XXXX XXXX XXXX and am enrolled in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( SLRP ) and between disbursements I put my loans into mandatory forbearance. When I received the email informing me that a payment was due I completed the form for a mandatory forbearance form ( attached ) and sent it to UAS requesting it be applied to my account. The next day I received an email response ( attached ) telling me that I used the maximum amount of forbearance 36 months and that no further forbearance could be applied to my account. I have no idea how this is possible since I have only applied for mandatory forbearances with the exception of one deferment in XXXX when I was XXXX in XXXX. I believe they have applied my mandatory forbearance to my general forbearance time limit. When I called them on the phone to resolve this I spoke to a XXXX XXXX who informed me that they would not place a mandatory forbearance on my account, even after I told her it was mandatory for them to do so, because I had exhausted my 36 month time limit, and that that time limit applied to both mandatory and general forbearances. She told me that I had no other option than to pay the due amount immediately. My service to this country met nothing to her.
Consumer complaint received 2019-05-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (AP)

This happen with the company PayPal. On XX/XX/2019 I had an incident when I transfer {$2500.00} to a person Im buying a car from and the person gave me the wrong email address. I called PayPal customer service help desk and they were super helpful in helping me and refunding me. The issue now begins after the refund. Before I can do my refunded and reverse the transaction I was told I need to verify my account which I did over the phone with my social security number. After that everything was good until the next day XX/XX/XXXX. I tried to send my friend money so she can send me something from the states ( Im military station overseas ) but my account was declining it. Come to find out my account was limited and I was banned from Paypal. I again contacted PayPal customer support number and they can only give me the basics without going into my account. I have email 98 people with the@paypal.com address book and I have also submitted a claim with the XXXX but they have no reply back to me.
Consumer complaint received 2024-08-26
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. (CA)

I had an existing LOC on my house... the balance was XXXX for a significant amount of time. Suddenly there's a charge of $ XXXX on my credit and XXXX XXXX is putting me in default. I never used my LOC, I never charged anything, it is 100 % FRAUD. The bank can not tell me or figure out or trace how the check was written, cashed, or used online. I have no idea how the XXXX change came on my credit report/ LOC and the bank can't give me details either. I am not showing XXXX  days late on my credit report for a non payment on a charge I never did. This is fraud. Please help
Consumer complaint received 2020-07-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (VA)

Filed unemployment on XXXX was approved for the filing couple days later. Never received a card from the approval. Started calling on XX/XX/XXXX with no answers. Finally got in touch with someone on XX/XX/XXXX where I was told my card should have been there the XXXX and to wait the weekend because the mail might be backed up ... never received the card. Have tried calling at all times of the day since XX/XX/XXXX and still no answer or way to get into contact with someone. Call the card company and tell me to enter a card number that I dont have.. after 3 attempts it will just hang up on you..
Consumer complaint received 2022-07-13
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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.