davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My sister bounced XXXX checks to XXXX XXXX for an account in my name. XXXX XXXX closed the account. She went to Bank of America got a cashiers check for total balance owed and sent it to XXXX XXXX. Bank of America never released the cash to XXXX XXXX and told us for over three years they did. They refuse to contact me now that they have caught the mistake. I would love to go on at length about the ruin this has caused me over the last three years, but I think it must be obvious. XXXX XXXX have to live with my parents , drive 20+ year old car, obviously have no partner I can directly trace this all back to them. I also make {$70000.00} a year and still this is haunting me
Consumer complaint received 2024-01-30
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. (AL)

I looked at my credit report and noticed some things are incomplete and not accurate. I sent a letter to XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 15 USC USC 1681i ( 5 ) it states that this ( 5 ) Treatment of inaccurate or unverified information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

This is unfair and if they are doing this to me imagine who else they are doing this too.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Commercial Services, Inc (NM)

I rented computer systems for my XXXX  which I was in process of purchasing. The property owner had locked me out of the establishment. He continued to conduct business a week later under my XXXX using my computer systems. This situation did go to court. I was locked out of the establishment and was unable to return the computer systems I rented he was also still using them to run the business. Therefore, this XXXX XXXX XXXX was contacted by my lawyer and myself multiple times, advising them that it needs to be removed from my personal credit report. As this original contract for the computer rentals was originated under my XXXX. Recently received credit report for a home loan to find, the amount stating {$16000.00} total amount owed and monthly payment of {$12000.00}? this alone is an accurate total amount reported.
Consumer complaint received 2022-10-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NV)

I have my home owners ins paid via PennyMac they did not pay it and have force placed my ins! The bill was sent to them and I have attempted to settle this with them and I havent received an outcome! They need to pay my ins backdate from exp date and pay the ins any late fees out out of their pockets! Not once did they notify me about my ins or force placement!
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2022-10-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIBANK, N.A. (CT)

Discovered that I was getting multiple false charges to my credit card. Notified my credit card company CitiBank on XX/XX/XXXX and was told that it would not be withdrawn from my checking account but on XX/XX/XXXX my checking account was charged the money and was told there was no record of the dispute. A new dispute was filed on XX/XX/XXXX and I am still being held liable for the charges as of XX/XX/XXXX. The XXXX entities that have these multiple charges are XXXX and XXXX. I was unable to successfully reach them. The amount of false charges are in excess of {$17000.00}.
Consumer complaint received 2022-10-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MO)

I filed a complaint regarding my mortgage company AFTER speaking with FHA and finding obvious disturbing things regarding the covid forbearance and modification on my loan. I attempted many times to contact them in reference to the information from FHA about the covid modification rules and of course, my concerns went nowhere. Especially when I said, " there was no modification filed and I did not sign a new modification ''. 

Rushmore LM filed an answer to my complaint loaded with more lies about " corporate advances '' that occurred during a bankruptcy filing and dismissal back in XXXX. After that bankruptcy, we had a modification and ALL cost involved were charged back to me in that modification, there was no " corporate advances '' to charge me again and then to say that the amount they received from the state of Missouri was to " reinstate my loan ''? WHAT? I started paying my loan back in XXXX and they received those funds in XXXX or XXXX. Can they lie anymore? 

Back to the modification. I contended that I did not sign one so, I asked for a copy of it. You can't make this up, but they actually mailed a copy of the covid modification that was NOT signed nor notarized! 

In conclusion : 1. Where's the signed and notarized covid modification?

2. Why wasn't our house principal and interest lowered 25 % according to FHA guidelines?

3. Why was their no partial claim filed?

4. Why did they collect corporate advances from a bk back in XXXX that ended in dismissal and a subsequent modification that included ALL of the legal fees? After Loss mitigation said they were owed " from the original loan in XXXX ''? Do you even know? 
5. Why was money accepted from the XXXX program, from my state, for reinstatement when my loan was already reinstated and then take corporate advances from that? Where was my notice of these corporate advances? 

I maintain now, as I did in my initial complaint that Rushmore LM has committed fraud and a full audit of all accounts, especially those who received a covid forbearance and any subsequent funds in reference to that forbearance. I am going to contact a news outlet with my concerns and perhaps get the word out to others that they might want to look at their mortgage more closely if they are being serviced by Rushmore LM.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (IL)

Early warning Services Is use My private information without my consent I Have The Right To Opt OUT of anything on my credit according to 15 USC 6802-6805 C 15 USC 1681b - Permissible Purposes of consumer reports 16 CFR 313- 313.7 All Opt Out Notices )
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX and there is no third-party involved in this complaint. This complaint is about Equifax and the continued furnishing of false reporting of employment on my consumer report. The employer is no longer being reported by XXXX and XXXX ; it has been deleted from my account. Equifax reported back on XX/XX/2022, that it would be deleted from my consumer report per this Confirmation # XXXX. Please see attached documents for further information.
Consumer complaint received 2022-10-04
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: Experian Information Solutions Inc. (TX)

Multiple fraudulent Bank XXXX XXXX inquiries on my credit report I have never applied for a Bank XXXX XXXX checking account. Ever. XX/XX/XXXX Received notification from XXXX XXXX XXXX Bank XXXX XXXX declined to open a bank account on my behalf because of information XXXX XXXX XXXX provided. I called XXXX XXXX XXXX and advised they were violating my rights and providing unauthorized information. The agent responded they were contacted. And again explained I never gave them permission to access my information. Then I called Bank XXXX XXXX and they acknowledged someone tried to open an account but they blocked it. I again explained the inquiry was fraudulent and not made by me. That did not invoke any further action. Now it is XX/XX/XXXX and again received notification of a Bank XXXX XXXX hard inquiry on my credit report. Fraudulent application. I have never applied for a bank account with Bank XXXX XXXX.
Consumer complaint received 2022-10-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc. (MD)

To whom it may concern, Recently checked my credit reports and realized your agency and this debt collector is in violation of 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. 
And 15 US Code 1681b ( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order. I never read any medical care from this company. This debt does NOT belong to me as well.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 52. Under 15 U.S. Code 1692e.False or misleading representations- ( XXXX ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 53. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 58. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 59. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Consumer complaint received 2022-10-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter to XXXX disputing negative inaccurate information on my credit report. Unfortunately these credit companies aren't complying with their own policies within a timely manner. I am hereby requesting that the items disputed be removed XXXX.
Consumer complaint received 2022-10-04
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. (MI)

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. 

Bankruptcy XXXX XXXX # XXXX, Bankruptcy XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX ( XXXX ), XXXX loan XXXX # XXXX, US Dept . of Education, XXXX XXXX XXXX XXXX # XXXX ( XXXX ), # XXXX, XXXX XXXX # XXXXXXXX XXXX  XXXX # XXXX ( XXXX ), XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX ), XXXX XXXX # XXXX ), 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 an 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 7 years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-19
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 have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CADENCE BANK (GA)

In XX/XX/XXXX, Cadence Bank merged with Banccorp South to become a new Cadence. This is also the month my homeowner 's policy was set to renew. I renewed with a new company called XXXX. My homeowners policy when I purchased the home in XX/XX/XXXX was XXXX. I had coverage with XXXX until XX/XX/XXXX and then I picked up coverage with XXXX to begin XX/XX/XXXX. The premium for XXXX was paid in XXXX, however, rather than pay the full premium for XXXX, Cadence paid the bill monthly so that I could build up escrow. The last bill that was due to XXXX for coverage provided from XX/XX/XXXX until XX/XX/XXXX was due in XXXX but never paid by Cadence. I kept getting emails and bills in the mail from XXXX about this, as well as threats to be turned over to collections. I informed Cadence of this, had to explain myself about 50 times until they finally said they understood and that it would be paid. The next letter I got was a notice that I had been turned over to collections. I've fought with Cadence for the past 2 weeks to get them to pay this bill, which now has to be paid to the collections agency rather than XXXX or it will keep me in collections. They refused and instead, AGAIN, said they would pay XXXX. That was today. I'm stuck in collections now due to no fault of my own and I've not gotten so much as an opps I'm sorry from Cadence. No one seems to act with any sense of urgency. I'm at my wits end.
Consumer complaint received 2022-10-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (OH)

I had an account with Venmo. I used it to send money to/from family and friends. I received an email from Venmo stating that my account has been frozen and to submit proper documentation to prove my identity. I submitted the documentation asked of me. Two weeks later I received an email from Venmo that they had permanently XXXX my account. They would not give me a reason as to why. They sent a very generic email stating that I violated their policy, but refuse to tell me which policy I have violated. They are currently holding {$830.00} for 180 days because of this. I have contacted Venmo numerous times and nobody can give me a valid, clear reason as to why my account was permanently deactivated.
Consumer complaint received 2022-10-04
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. (NC)

I have the inquiries below that are not mine. I have reached out to the credit departments but they have not corrected the issue. There is a person by the name of XXXX XXXX XXXX that is using my social security number to try to open up new accounts. 

Account name XXXX reported XX/XX/XXXX XXXX XXXX  reported XXXX XXXX, XXXX
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: M&T BANK CORPORATION (GA)

Manufacturers and Traders Trust Company XXXX M & T XXXX XXXX, NY XXXX My account was closed in 2021 and I was never informed. I had about {$13000.00} total in my checking and savings account which were never sent to me. I called M & T bank several times to inquire whereabouts of my check and none of the XXXX or supervisors were able to help or locate where the money went. First time I called they assured me that the check has been dispatched and I would receive it in 10 days. That was XXXX22. Check never arrived. I called again a month back and again they assured me that the check would arrive in 10 days. Still no check. I called XXXX2022 and the supervisor ( XXXX, did not provide last name of XXXX number ) I spoke to could not locate any record of the check or even my account and how much funds I had. So far they have been dodging me and transferring me around to new XXXX agents who could not help.
Consumer complaint received 2022-10-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Tesla, Inc. (CT)

I leased a new Tesla vehicle in XX/XX/XXXX. At the time of the lease I did not sign up for electronic billing or payment, as I wanted ( and still want ) paper bills and to pay by check, and told the sales person that. I received paper bills for a few months, and made payment by check with no problem. During the term of the lease, Tesla unilaterally switched me to online billing without my consent or knowledge, and stopped sending me paper bills. In or about XX/XX/XXXX, Tesla unilaterally notified me that it would no longer accept payments by check, only electronically, which I protested and rejected as a material change in the terms of the lease. I continued to pay by check as I do not wish to give them access to my bank information and for other reasons including tax verification. Tesla then began to claim that some payments were late or show them as " past due '' even though the checks were timely received and negotiated, resulting in purported late fees being incorrectly and unreasonably charged to my account. Tesla also continued to show a prior monthly payment as past due and inflate the balance due on my later online invoices, even though that payment had been received months earlier and was shown on Tesla 's own online payment history. Recently, Tesla acknowledged that they " no longer have a system to process these [ check ] payments on time '' which seems to be resulting in late posting of my payments long after they are received and even after they are deposited and cleared, generating an unreasonable and unwarranted late charge. Payments by check were a customary and acceptable form of payment when I took the lease, and any consumer would have expected that there would be an accurate and efficient system in place to process those payments and post them in timely fashion. Instead Tesla has unilaterally and materially changed the lease terms by not only eliminating that system, but disadvantaging me by manipulating the posting of my payments by check to generate late fees. In addition, I believe they may be forcing electronic payments to obtain data on consumers ' banking information which could either be used for other purposes, or become vulnerable to data breaches. All of this is a " bait and switch '' tactic and an unfair and deceptive practice which disadvantages me as a consumer and I would like the CFPB to investigate the effect on me and other consumers.