davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

I looked at my most recent credit reports from XXXX, XXXX, and XXXX and found that accounts with Bank of America and accounts with XXXX XX/XX/XXXX that are paid in full was reported showing negatively against me as late payments. They reported negative and defaming information beginning XXXX of 2018. I have been denied credit and my creditworthiness has been compromised. I do not agree with the accuracy or integrity of the information they are reporting. I have researched throughout the CFPB and have found that : 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly Reflects the terms of and liability for the account or other relationship, Reflects the consumer 's performance and other conduct with respect to the account or other relationship, and Identifies the appropriate consumer.

12 CFR 1022 41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( 0 ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; Also that this is a violation against me according to 15 USC 1666 - Correction of billing errors
Consumer complaint received 2022-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I went to the XXXX dealership XXXX and XXXX of XXXX look at a car. After that tons of inquiries started showing up left and right. I don't know what's going on. I filed complaint on XXXX XXXX. website. 


The report reference number is XXXX. Thank you for taking the time out for me. Have a blessed day
Consumer complaint received 2019-01-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Back in XXXX of XX/XX/XXXX, I had so many problems with XXXX XXXX XXXX XXXX XXXX losing paperwork and processing my car loan that I decided to cancel the loan. I was told by XXXX XXXX that they would stop the loan on their end. I called for the next two days to confirm the cancellation of the loan with both XXXX and XXXX XXXX. Within a couple of days, XXXX XXXX XXXX XXXX XXXX processed the loan. I had to accept the loan. A week or so later, I was contact by XXXX XXXX XXXX XXXX XXXX and they stated that they made a mistake processing the loan and that I had to pay additional money for taxes. I submitted a complaint to the Consumer Financial Protection Bureau ( complaint # XXXX ), and XXXX XXXX agreed to remedy the situation by paying the taxes. Now XXXX is contacting me to pay the taxes again. My account number with XXXX is XXXX. I called in today ( XX/XX/XXXX ) and waited 22 minutes on the phone to speak to a supervisor and then the call was disconnected. XXXX sent me a notice dated XX/XX/XXXX stating that I had to pay {$300.00} within 15 days threatening to send the remaining amount to a collection agency. I received the letter in early XXXX due to the holidays.
Consumer complaint received 2022-12-12
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: Tower Loan of Mississippi, Inc. (LA)

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

15 USC 1681 Section 604 A Sectuon 2 States a consumer reporting agency can furnish a account without my written instruction.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer plan as late for purpose.
Consumer complaint received 2021-02-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC (FL)

We have a mortgage through ATLANTIC BAY Mortgage. Their loan servicer is XXXX XXXX. 

We have had non stop issues with this mortgage company regarding them disbursing funds. 

First, w erefinanced and they had a clerical issue that marked the loan paid in full and they sent back our mortgage payments for 3 months. They tried to blame us for the issues and then finally admitted fault. 

As a lasting rwult of that same issue, they never updated the insurance and stopped paying on the policy and then forced an insurance policy on us saying we didn't have one. 

They admitted fault on that as well staying they never updated the policy. 

Now for a third time our insurance wa stopped due to Atlantic Bay / XXXX XXXX not disbursing to citizens. 

They attempted to divert blame yet again blaming the insurance company. The insurance company has timestamps and records of the sent documentation. 

This company has repeatedly had issues with their own loan officers stating they were happy that we sent emails regarding this because their servicerXX/XX/XXXX has been having a lot of issues. 

I called " XXXX '' at atlantic Bay corporate and she was rude, demeaning and unapologetic and had no sense of urgency on the matter and deflected. 

She said she wouldn't reimburse us for the new 4 point we needed and that the insurance increase would of happened at the renewal anyways when that renewal is still 6 months out. 

This company needs to be investigated and held accountable for unethical business practices. As consumers, it is disheartening that even through a pandemic we did all of our payments and acted as we should yet this mortgage company is causing hardship for over 2 years on a variety of different issues caused by their own loan servicer. If they had accountability and just fixed it, I wouldn't be doing this report. But instead they took the problem and we're rude, degrading and trying to deflect responsibility. Please contact the XXXX XXXX XXXX for evidence of all timestamps and submissions
Consumer complaint received 2022-10-22
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: WELLS FARGO & COMPANY (FL)

XX/XX/2022 Wells Fargo Bank , N.A . 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Attn : Credit Bureau Disputes I reviewed a copy of my credit report and Wells Fargo Bank , N.A . ran an authorized credit inquiry on me on XX/XX/2022. 

I was denied a credit line because Accounts with Wells Fargo were not paid as agreed. 
However Wells Fargo is contradicting themselves because this account was paid in full. I feel my application process was unfair and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact Wells Fargo Bank , N.A . and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX
Consumer complaint received 2019-12-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (AZ)

I applied for a mortgage on XXXX-19 from Cardinal Financial Company , Limited Partnership DBA XXXX XXXX. At the time of the application I told them I did not want to bring any cash to the closing. 

The Loan Estimate included a Lender 's Title Policy of {$360.00} but it did not include any UCC-1 Filing Fee. 

On Wednesday XXXX-19, unknown time, and Friday XXXX-19, at XXXX XXXX, I received Closing Disclosures that reflected the {$360.00} Lender 's Title Policy and no UCC-1 Filing Fee. 

On Friday XXXX-19, at XXXX XXXX, I received my 1st copy of the full closing documents but this version now includes a UCC-1 Filing Fee of {$220.00}. This {$220.00} fee was never disclosed to me in the entire 60 day loan process prior to the final closing documents. 

On Friday XXXX-19, at XXXX XXXX, I received a 4th update to the closing package that now reflected a {$540.00} Lender 's Title Policy. This {$180.00} increase was never disclosed to me in the entire 60 day loan process prior to the 4th update to the final closing documents. 

They had already scheduled the closing for XXXX XXXX on Monday XX/XX/2019. On Monday XX/XX/2019, I brought up these additional charged via e-mail and voicemail but I did not receive a response ; I called and left voicemails for 3 employees, XXXX XXXX, XXXX XXXX, and XXXX XXXX. On Tuesday XX/XX/2019, I sent another e-mail trying to figure out why the fees went up a total of {$400.00} from the previous closing disclosure and why they didn't wait 3 days, under TRID 3 day Closing Disclosure rules, before the signing. I was told by XXXX XXXX via e-mail that they aren't required to issue a new 3 days and that they won't be doing anything about the surprise closing costs. 

Additionally, they do not have an updated mortgage payoff amount yet proceeded to close the loan and said they would just go back and adjust the numbers after the fact.
Consumer complaint received 2022-02-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

XXXX XXXX XXXX has tried to settle for {$1000.00}. I have the physical checks. 
There is no Modification that was offered. I pulled every document for SLS and nothing was offered. 
I am now employed Full Time and unable to pay the {$35000.00} owed. 
I can provide documentation that no Modification was every offered. 
My debts are exorbitant. 
I have XXXX  children in elementary school.

I have no retirement.

It is untrue that a Modification was offered. If it was offered, as I stated, it was never sent to me.

As of today, all Collection notes have not been provided. I request for this to be provided to CFPB in order for me to obtain.

I continue to be ill. 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 I needed this in order to get a job, be more marketable. 
Respond to CFPB where I can send a trial payment of the {$800.00} you had previously claimed to have offered
Consumer complaint received 2019-01-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MEMBER FIRST MORTGAGE, LLC (MI)

I am a XXXX  with XXXX XXXX XXXX in XXXX MI. I am writing a formal complaint against Members First Mortgage out of XXXX XXXX Michigan. They are by far the worst mortgage company I have ever worked with. They are sloppy in their paperwork, nobody returns phone calls, they say they send out documents when they never do. They don't have universal underwriting standards. In the 10+ loans I have closed with them, not one has closed on time, one took nearly 6 months for no good reason. 

I have had several clients switch lenders because of how poorly they were treated. I am working on a current loan where they are requesting receipts for repairs that were not part of the appraisal and were personal things asked for between the buyer and seller. The seller was able to fix many of the issues himself and therefore doesn't have receipts, this is the first time in my 5 years of working with them that they have ever requested receipts of repairs. They are extremely rude and have had issues with processors making my clients cry due to frustration with their questioning. Very accusatory and not customer oriented. They have already had to remove one processor XXXX XXXX due to her lack of customer service skills and the person they replaced her with is no better. 

I have attempted to contact XXXX XXXX who is the mortgage originator several times and have only received a return phone call once. They demonstrate gross negligence and general inconsistency with their practices. I am starting to feel like they are singling me out personally and giving me a hard time on purpose. I am feeling discriminated against and would like my complaint to be on file against them.
Consumer complaint received 2022-12-07
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. (TX)

There are 2 address reporting to my consumer report. Only XXXX address is attached to my name and that address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All other addresses need to be deleted from my cosumer report. I have sent a dispute letter to the company. I have filed a complaint with the XXXX and the company response was that the disputed item is not reporting to my consumer report. The company response is false.
Consumer complaint received 2022-04-09
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. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2021-02-10
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. (AZ)

I tried telling the credit bureaus that this information on my credit report is incorrect ( as the picture below shows ). Even though I followed the proper procedures multiple times they just sent back that it was verified, as if they didn't even look at the evidence that i sent them. The high credit is wrong, the date last active is wrong, the date of last payment is wrong, and my payment history is all wrong. The only bureau that was mostly correct was XXXX, and even their report was inaccurate with my no payment history.
Consumer complaint received 2019-01-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (TX)

a ) Notice of debt ; contentsWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. I didn't receive any type of notification as required by law prior to this being added to my credit. This debt is not owed and there wasn't any contract with this creditor.
Consumer complaint received 2022-06-29
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. (RI)

In accordance with the Fair Credit Reporting act 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. Also states a consumer reporting agency can not furnish an account without written instructions or consent.
Consumer complaint received 2021-12-03
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: BARCLAYS BANK DELAWARE (NY)

This is XXXX XXXX who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the account listed below are still reporting on my credit report in violation of Federal Law. BARCLAYS BANK DELAWARE failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. REMOVE the account below : ( BARCLAYSBK XXXX )
Consumer complaint received 2022-10-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd (NY)

Hello, My name is XXXX XXXX. I opened an account in Wise ( XXXX ) but after some time they deactivated my account without any notice or email stating the reason. I appealed there but they didn't respond. After that I appealed to tranfer the funds in my accounts but didn't respond yet. It has been almost 23 days. They have stated on their website that they will respond in 10 days. Please I want my hard earned money back.
Consumer complaint received 2023-08-22
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX credit card, balance XXXX XXXX  This is information is incorrect and there were fraudulent charges made on this account XXXX XXXX XXXX  credit card, balance, XXXX this information is incorrect please remove, and there were fraudulent charges made on this account
Consumer complaint received 2022-10-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Terrill Outsourcing Group (TX)

Superlative RM continuously calls this number using abusive language, and making threats. When I asked to speak to a manager I was handed off to someone next to the caller and not management. While trying to find out what the debt is in regards to the representatives are evasive, untruthful, and abusive in language. I have no contract with this company. I don't know who is actually calling me. I have never done business with this organization.
Consumer complaint received 2023-03-21
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. (AZ)

These are the codes that the credit bureaus have violated ( Equifax, XXXX, and XXXX ). 
Being sued XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681e ( a ) ( 5 ) Section states that 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 a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-02-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I noticed a charge of XXXX on my account. Dated XX/XX/2021 .I phoned the bank on the day I noticed it and it had posted the day before,XX/XX/XXXX. The bank issued me a new card.although my card wasn't stolen the money was transferred from my account.i received a new card but my XXXX isn't on there.i phoned the bank again and spoke with the fraud dept.and they gave me the run around plus I couldn't understand him because of his language problems.i still have not gotten my money back from the bank.
Consumer complaint received 2021-02-10
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. (NV)

I sent a letter to the credit bureaus in regards to unknown and inaccurate items that I have found being reported on my credit report on XX/XX/2020. As of today it has been 46 days later I haven't received a response to my disputes of the inaccuracies found on my report. I'm starting to feel as if my actions are being disregarded on resolving this matter. I'm aware that there is a process that has to be taken, but to my understanding failure to to investigate these items within 30 days gives a valid reason to remove these items from the consumer report. So far it has ben 46 days and these items should be removed immediately. These inaccuracies are adversely affecting my credit and I want this issue resolved immediately not in another 45 days.