davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I went to help my daughter get an apartment by being a cosigner, and was informed by their management that my credit was horrible. I pulled my credit report and seen accounts that did not belong to me. PLEASE DELETE THESE ACCOUNTS. 

XXXX XXXX XXXX  XXXX {$19000.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} BANKRUPTCY CHAPTER XXXX - DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IN)

I Just reviewed my City Rewards+ Card statement date : XX/XX/XXXX. 
They ( CitiBank ) included a {$25.00} Late Fee and a {$.00} finance charge on a prior month bill of {$25.00}. However, the statement shows that the entire balance of {$25.00} was paid in full on XX/XX/XXXX. The due date shown was XX/XX/XXXX. Therefore the bank automatically charged {$25.00} late charge and the finance charge. However, the payment was mailed by my bank to arrive by XX/XX/XXXX. I, therefore, contend that the payment actually arrived by the XXXX but Citibank failed to process the payment when it arrived. I make this claim because I almost always use my bank to make payments via their bill pay system and they always arrive on-time. I called Citibank and spoke with a senior service rep but they could not / would not resolve this issue. I doubled checked the mailing address to be sure it matched the address on the statement - it did. I think that corrupt banks should be held accountable.
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

There is a collections account that appeared on my credit report in XX/XX/XXXX from a company called XXXX XXXX XXXX XXXX  in the amount of {$680.00}. On XX/XX/XXXX I sent a certified debt validation letter to the company requesting to see what proof they had that I have a contract or have actually done business with them, giving them 30 days to respond. They never responded. In the meantime, I disputed this with Transunion and to my surprise within 24hrs they deemed the debt valid which really puzzled me. If the company never sent me proof, I highly doubt Transunion has proof of this so called debt. 

On XX/XX/XXXX, I went back over my credit report and noticed they were reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$680.00}. I simply mailed Transunion a certified letter informing them of this. 
Also explaining that According to the FCRA, I have the right to an accurate credit report. Asking them to please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
Transunion mailed back a letter and my credit report stating it would not be removed from my credit. Yet, nobody has showed me valid proof of me owing this debt nor has anyone responded to my request. 
I do not owe this debt, I've never done business with the collections agency, there is no valid proof of me owing this debt and this should not be on my credit report. 
weird enough, It was placed on my report XX/XX/XXXX and according to my credit report, it's due to be removed XX/XX/XXXX. I've seen this with inquires but not actual collection accounts. Funny how this debt isn't on any of my other credit reports, hmmm ..... 
Probably because the collections company doesn't have proof!! I'm thoroughly convinced that Transunion and this XXXX XXXX XXXX XXXXXXXX has a huge scam going on. 

I believe Transunion and this collection agency are surely practicing unethical and illegal business in regards to my personal credit. 
I am asking that this be looked into on my behalf in good faith.
Consumer complaint received 2020-02-19
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: EQUIFAX, INC. (GA)

I am disputing methods of verification for a bankruptcy listed on my XXXX report. After calling several times over the past few months and sending dispute letters, I recently spoke with an employee named XXXX from XXXX at XXXX XXXX on XX/XX/23 who stated verbatim there is No way to verify information in your file. I proceeded with my dispute since he confirmed XXXX does not and has not verified information in my file. XXXX sent a response in the mail stating they did not verify the item in my file with the original furnisher of the information but XXXX believes it is not obligated to FCRA regulations for removal of a record if it can not be verified. Thus, I am demanding this item be removed since it has not been verified with the original furnisher by XXXX.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting ActXXXX XXXX Accounts below have 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 - XXXX XXXXXXXX Account # XXXX XXXX  XX/XX/XXXX : {$360.00} - XXXX XXXX Account # XXXX ; XX/XX/XXXX : {$270.00} - XXXX XXXX Account # XXXX XXXX XXXXXX/XX/XXXX : {$490.00} - XXXX XXXX Account # XXXX ; XX/XX/XXXX : {$3700.00} - XXXX XXXX  XXXX Account # ; XX/XX/XXXX : {$650.00} - XXXX XXXX XXXX XXXX Account # XXXX ; XX/XX/XXXX : {$80000.00} - XXXX XXXX XXXX Account # XXXX ; XX/XX/XXXX {$15000.00} - XXXX  Account # XXXX ; XX/XX/XXXX {$3500.00} - XXXX XXXX XXXX  Account # XXXX ; XX/XX/XXXX {$73000.00} - XXXX XXXX Account XXXX XXXX ; XX/XX/XXXX {$360.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-14
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. (CT)

To whom it may concern, The reason for this letter is to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. 

Because I did not apply for a credit from XXXX XXXX on XXXX XXXX and XXXX XXXX, I have also reached out asking them that they remove the inquiry from my credit profile. Please launch an investigation into XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I'm requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and description of how the investigation was conducted. 
Thanks in advance for your prompt attention to this matter. 
Sincerely XXXX XXXX
Consumer complaint received 2022-07-14
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. (GA)

IN REGARDS TO CFPB COMPLAINT XXXX, I RECEIVED THIS EMAIL FROM XXXX REGARDING CONTACTING THEM TO VERIFY I MADE THE COMPLAINT. I UNDERSTAND THE NEED TO TAKE SECURITY MEASURES HOWEVER, I DIDN'T MAKE THE COMPLAINT, I COULD NOT IMAGINE THE CFPB SENDING IT TO XXXX ON MY BEHALF. STALLING AND GUILTY!
Consumer complaint received 2019-04-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL (NY)

I am the beneficiary of my husbands IRA account at Synchrony Bank. My husband passed away and I am trying to obtain a check for the outstanding balance to pay off his funeral expenses. I faxed the required documentation ( notarized ) including my husbands Death Certificate over 2 weeks ago. The request still has not been processed. The outstanding balance in the IRA CD is {$6500.00}. I have called on 2 occasions to determine the status of the account. Both times I waited on hold for extended periods of time and was told no one in the IRA dept. had time to talk to me. Both times they promised to call me back, and both times a call was never received. On the second call, I asked to speak to a manager and was told NO. I'm very frustrated with this online bank and at this point don't even know if the bank ever received my fax. I suspect they have since I received a 'successful transmission ' status I faxed it.
Consumer complaint received 2022-09-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Guild Holdings Company (NH)

Guild has already promised to make me whole in the following matter, but I am filing this complaint for the benefit of others similarly situated who are not aware that Guild is mishandling their account to its own advantage. 

Earlier in 2022, I took out a conventional fixed-rate mortgage from Guild Mortgage Company in connection with a new home purchase. As is routine and expected, Guild promptly sold the note while continuing to service the loan. 

I recently received a letter from Guild, stating that " As a result of an examination of your mortgage loan file, a refund for appraisal fees we collected in the amount of {$150.00} is being made for your benefit and applied to your loan as a principal reduction. '' This {$150.00} fee coincides with a line item " Appraisal Fee - Review '' which appeared on my XXXX settlement statement at closing. My presumption, which Guild did not deny when I alleged it in correspondence with them, is that no such review ever actually occurred ( Guild chose the appraiser, so why bother? ) and so they had no basis for charging this fee.

This {$150.00} fee is a cost that I paid out-of-pocket at closing time, so Guild should have sent me a refund check rather than applying it to my principal balance. Furthermore, even if I had financed my closing costs, they should have given me a credit for the interest which has accrued on the {$150.00} since closing.

By applying the {$150.00} to my principal balance rather than paying it to me directly, Guild was being unjustly enriched at my expense because prevailing mortgage rates, and even treasury rates, have now risen significantly higher than the fixed rate that I received. Until such time as my loan matures and the final payment has to be remitted to the note-holder, the {$150.00} credit to my principal balance is nothing but a bookkeeping entry. By postponing any actual payment until that time, Guild effectively gets to piggyback on my favorable loan terms and invest the money elsewhere at higher yields, taking the same opportunity away from me.

Guild immediately folded when I confronted them and has promised to reverse the principal credit and send me a {$150.00} check instead. They evaded my questions as to why they took these actions in the first place. There are likely many other borrowers in the same situation as mine whom Guild has still not properly compensated.
Consumer complaint received 2022-06-03
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: EQUIFAX, INC. (NY)

XXXX XXXX must be deleted for inaccurate credit reporting they must report all monthly payments all monthly late payments date of last activity the months that show payments was good and the months payments were late the date of last activity and Payment Frequency must be reported the report is not accurate without this information and must be deleted
Consumer complaint received 2022-07-14
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. (KS)

XXXX XXXX XXXX XXXX - Closed XXXX, XXXX XXXX. 

XXXX XXXX - Closed XXXX, XXXX XXXX XXXX XXXX XXXX - Closed XXXX, XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States | have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-04-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TD BANK US HOLDING COMPANY (SC)

I am writing to the CFPB today to report what I feel is unfair practice by TD Bank. On or around Monday XX/XX/XXXX, I applied for a personal loan in the amount of {$13000.00}, this loan was for the restructuring of some debt, to pay off a car, and a credit card. My loan application was erroneously not submitted for 7 days by the branches asst. Manager XXXX XXXX, I finally got ahold of XXXX on the XXXX of XXXX ( after 6-8 calls and messages were left with her ) to let her know that I recieved no update about the status of my loan, which was promised to me within 24-48 hours. She told me that day ( XX/XX/XXXX ) that my loan had been declined. On friday, XX/XX/XXXX, I met with my father at another TD bank branch so that he could cosign another loan application for me, as this money was very important to me. On Saturday, XX/XX/XXXX I got a letter in the mail stating that the loan application ( the one erroneously sent in late ) made on XX/XX/XXXX, was, of course, declined. This started a VERY stressful saga for me that as of Tuesday XX/XX/XXXX finally culminated in me closing on a loan in the amount of {$13000.00}. However my issues go further. Roughly {$470.00} of this loan was used to close an existing loan, which was closed XX/XX/XXXX at the time of closing, the loan was removed from my mobile banking application. However, the morning of the XXXX I checked my banking app for TD bank, and found the loan amount for roughly {$470.00} had reappeared. I talked to the branch asst. Manager who closed my loan, and she stated that the loan was closed, but due to how close the time was between closing and my payments coming due, that I would end up paying an additional {$230.00} payment towards this already closed loan, which would effectively be giving TD bank, an interest free loan that theyre *Supposedly* going to be refunding me in 7-10 days. I urge the CFPB to do everything in your power to please look into this as soon as possible, as I feel this is predatory, and with todays technology issues like this should not exist. 
Edit - I did not realize at this point in time that I would have the ability to send documentation, all of which I do have, I will get it scanned and digitalized for your use upon request.
Consumer complaint received 2020-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to Equifax XXXX & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have submitted the attached documents to XXXX, XXXX and Experian yet the information is still reporting incorrectly. 
The XXXX XXXX XXXX XXXX and XXXX XXXX Account are showing past due yet they were paid by XXXX XXXX XXXX XXXX due to COVID19. 


Attached you will find the documentation to support my dispute claim. 

XXXX XXXX are not late and were COVID19 related and paid from XXXX to XXXX by XXXX XXXX XXXX insurance. Please correct the information. 

Also I have submitted documentation to remove late payments from XXXX XXXX XXXX. XXXX - XX/XX/2020 were also paid by the insurance company and never late. 

Please make necessary adjustments and correct mistakes. 

Thank you
Consumer complaint received 2020-06-14
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: EQUIFAX, INC. (MA)

After contact the credit bureau to get my credit report updated on XXXX XXXX XXXX XXXX, the credit bureau said everything is being reported correct. 
I filed with XXXX XXXX XXXX XXXX that responded the credit bureau is refusing to updated the information sent every month because of not accepting my name ( legal discriminations on by view ), in attach is the XXXX XXXX XXXX response where is wirten the credit bureau are solo responsible for not having my credit updated correctly. 
What intrigues me is that my name is accepted for hard inquiry but not for the monthly payment report, again I feel like discrimination.
Consumer complaint received 2020-08-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (MI)

I have a loan with SANTANDER CONSUMER USA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and SANTANDER CONSUMER USA with no successful resolution. XXXX and XXXX are only reporting me late. There was definitely an error on their part. I was never 60 days late
Consumer complaint received 2022-07-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: EVERBANK, NATIONAL ASSOCIATION (KY)

I had items for sale on XXXX XXXX. A prospective buyer communicated with me via XXXX XXXX that he was interested and wanted to send me money via XXXX. So I gave him my email address. He emailed me and said he used the wrong account and needed me to send him the money back, then he would send the money to me from the correct account. I sent him a 'refund ' without checking to see if I had gotten the money from the original 'transfer '. I had not of course, and lost the {$200.00} to the scammer. My bank, TIAA, said that this type of fraud was not protected by them and would do nothing.
Consumer complaint received 2020-08-16
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: Bread Financial Holdings, Inc. (NY)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2019-08-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (TX)

On XX/XX/2019, XXXX XXXX notified me that a Major Derogatory was filed on my credit report for a collection in the amount of {$680.00}. The reported name of the creditor is : Radius Global Solution, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX ; phone - XXXX. 

I do not know what this company is, nor have any contact or correspondence from them regarding a debt. Thus, I can not dispute the " debt '' with them since I have not received any billing or correspondence from them. I live in Texas and do not do business with any entity in Minnesota. 

I have not contacted the reporting company as i would have to confirm the information they have ; and since my social security number was likely stolen, I will not contact them.
Consumer complaint received 2019-08-05
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. (CA)

I have disputed the student loan account with Transunion for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. XXXX XXXX and XXXX XXXX
Consumer complaint received 2022-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 50 days later I have not received a response yer. I feel like I am sadly being take advantage of and being ignored of my disputes. Sections 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2022-07-14
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: Bread Financial Holdings, Inc. (CA)

This account has already identified as fraudulent. The credit bureaus have deleted this account after I submitted a ftc report with other supporting documents. On XX/XX/XXXX the company XXXX comenity bank obtain a copy of my credit report without my permission, only to re report this fraudulent account causing my credit to crash! Speaking directly with XXXX comenity bank has gotten my no where! The account in question was open XX/XX/XXXX. The partial account number is XXXX