davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-25
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. (NC)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fairway Independent Mortgage Corporation (WY)

I requested to have the escrow for taxes ( the only escrowed item ) removed from my account in XXXX, XXXX. I received the attached letter stating my request was not approved due to the original appraised value and my current LTV not being 80 % or less. Which is blatantly false. The original appraised value of my home at time of purchase was {>= $1,000,000}, making my current loan balance of {$890000.00} an LTV of 72.5 %. Fairway originated my mortgage so they have the original appraisal on file. The current appraised value ( valuation completed by Fairway to remove PMI ) is {>= $1,000,000}, bringing the current LTV to 71 %. I emailed Fairway about this to dispute the validity of the reason for requiring escrow and have to-date never received a reply. I have called twice, most recently on XX/XX/XXXX, and was told both times it is not possible to speak to a person in their escrow department who handles these requests and that my only option is to communicate via email. I emailed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To-date, I have not received a response or a valid explanation as to why escrow for taxes is required. 

Where I live, the taxes will go up every year so the escrow account will ALWAYS have a shortage and be in arrears. The current taxes are almost $ XXXX and there is no reason why I should be forced to spread this amount out monthly to pay into an account that I earn no interest on when I can better manage my money myself, and should I decide to do my own escrow I can earn almost 4 % return in a high yield savings account. Additionally, the approximately {$500.00} extra per month required for this escrow reports on my credit report and affects my t

otal DTI, which affects my ability to apply for other financing, etc. I do not want or need escrow for taxes. I do not escrow insurance or the HOA payment. There is no reason that I can see under federal or Wyoming law that Fairway can require this escrow account given my perfect payment history and low LTV.
Thank you
Consumer complaint received 2016-04-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc. (TX)

I send the company a Cease and Desist and they have continued to call me afterwards. I understand that Amsher Collection agency can call once to advise me that they received my Cease and Desist however they have called more than once. Some man left a message stating that I need to pay XXXX today, that is XXXX party disclosure, anyone could have heard that message. Also, I current on all account in which the balance is greater than XXXX.
Consumer complaint received 2023-05-11
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. (CA)

https : //www.experian.com/consumer-products/experian-XXXX-credit-report-and-score.html I purchased a one-time fee of {$39.00} for 3 credit reports. I was subsequently erroneously charged {$23.00} for the two following months. 

I spent an hour on the phone with an Experian-rep who wouldn't provide a way to identify herself, gave me false information, wouldn't transfer me to a supervisor, and wouldn't take my complaint.
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Dear CFPB, Many years ago I received unemployment benefits from the California Employment Development Department ( CA EDD ). These were made available via a Bank of America EDD XXXX XXXX XXXX with the account to this day accessible via this website : XXXX XXXX XXXX  I have not received CA EDD benefits for the better part of a decade and left California more than 5 years ago. My CA EDD online access has been automatically deleted and the Bank of America EDD Prepaid Debit card expired more than 4 years ago. I can not even change any details of the account anymore, such as keeping my address current to prevent any mailings from getting into the wrong hands. 

Yet the account continues to hang around and sends me monthly statements online. I have called Bank of America numerous times to try and get this account closed but they always just refer me to the CA EDD. The CA EDD is difficult to get a hold of but they just refer me right back to Bank of America. It appears I'm not the only one in this situation, as there are countless similar reports online. One might speculate Bank of America gets paid taxpayer dollars to maintain these ghost accounts. 

I'd like this account and my associated personal information to finally be deleted. Anything else creates an opportunity for fraudsters and places an undue burden on me as consumer to try to ensure the account remains safe. 

Please help! 

Thank you!
Consumer complaint received 2023-02-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (WA)

PHH Mortgages Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX Foreclosure a XXXX A fake bank note and sold my house. 

Case XXXX In the Circuit Court XXXX XXXX XXXX XXXX Oregon For XXXX XXXX of XXXX
Consumer complaint received 2023-02-27
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. (FL)

XXXX XXXX reported a late payment to Credit Bureau even though I've been on auto-pay for the post 10yrs+. 

Called multiple time and getting the run-around.
Consumer complaint received 2023-01-25
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)

FCRA violations : inquires not mine XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my addresses XXXX XXXX XXXXXXXX XXXX XXXX  XXXX TX XXXX XXXX type Post office box XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violations XXXX not my names XXXX XXXX FCRA violations : payments never late XXXX XXXX FCRA violations : accounts not mine XXXX XXXXXXXX # XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1800.00} Status Account charged off. {$1000.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$820.00} XXXX XXXX account. $ Overview XXXX XXXX  Account Number XXXX XXXX Account Status XXXX XXXX XXXX XXXX  Account Number XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification Loan Type NOTE_LOAN Original Creditor Name Months Reviewed XXXX Activity Designator Terms Frequency MONTHLY Term Duration 10 MONTHS Purchased From Sold To Balance and Amounts Balance {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification Loan Type UNSECURED Original Creditor Name Months Reviewed XXXX Activity Designator Terms Frequency MONTHLY Term Duration 13 MONTHS Purchased From Sold To Balance and Amounts Balance {$1400.00} Credit Limit High Credit Available Credit Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation (IL)

IRS FRAUD and United States Code Law Violations One Main Financial Account # XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil Liability for willful noncompliance and 15 U.S. Code 1681o Civil Liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION One Main Financial is trying to collect on an alleged debt despite not creating consumer account for securitizing consumers retail installment agreement which under 16 CFR 433.1 is indeed a credit sale as consumers social security number was used in said transaction. One Main Financial has not provided consumer with official treasury forms filed under consumer social number as described by XXXX as a credit card. Consumer reporting agency ( XXXX, XXXX, and XXXX ) hard inquires shows proof consumer credit was pulled. Which by the rules govern said company under the FCRA, FTC and 16 CFR 433.1, 16 CFR 433.2 and 16 CFR 433.3 company is bound to follow all guideline when offer retail installment agreements per the contract as a consumer my rights can be altered at any time. 
As for the XXXX, XXXX, XXXX that One Main Financial has filed with treasury department under the rules of the XXXX company must provide consumer with a copy for accurate IRS reporting for any debt over {$600.00}. One Main Financial is not filing the proper taxes with IRS which is fraud. Due to companys non-compliance consumer will have no choice but to file form XXXX along with other applicable XXXX IRS forms under filing IRS with the treasury to audit consumers account to make sure accurate reporting and taxes are rendered per the security agreement signed under One Main Financial with the XXXX XXXX XXXX along with all XXXX IRS forms needed to conduct an audit on consumer account. 
One Main Financial has also securitized consumers promissory note indenture trustee over securities yet have not credited consumers accounts accurately. Due to the recent change in consumer laws please serve this as notice that upon a valid proof of claim notarized under penalty of perjury consumer refuse to remit any funds until all documentary evidence of the accounting on the public and private side of consumers account. One Main Financial immediately stop any reporting until said company provide all information under the penalty of perjury for documentation.
Consumer complaint received 2023-02-27
Product: Checking or savings account — Other banking product or service
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY (AZ)

I told you my credit was frozen and I couldnt do anything until Wells Fargo reported or changed open accounts!!!!!!!!!!!!!!!!!!! 


The cunsuy finiance XXXX is covering this up, Ive tried to respond, your website dispatched my response, Your a bunch of criminals!!!!!!! 


I have received no real coverage of what I lost by Wells Fargo or the agency supposed to respond to this, Look when I tried to clear this off my credit history, it showed Wells Fargo had opened accounts under my name, when all accounts were to be closed affecting my credit, And I am asking for XXXX ) $ To restore my credit, if not How do you not see that I am a valid complaint!!!!! XXXX But instead I have both Wells Fargo and the government agency saying NO So your a bunch of criminals!!!! XXXX XXXX see Im right!!! XXXX XXXX XXXX XXXX/XXXXXXXX
Consumer complaint received 2023-01-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: FORD MOTOR CREDIT CO. (NY)

I am writing in today in regards to my account with Lincoln Auto Finance Account # XXXX an inaccurate late pay is reporting in XX/XX/2019. 
I have tried to get a copy of my original contract with no avail. I am therefore requesting a copy of the original contract along with full payment history.
Consumer complaint received 2017-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Equitable Acceptance Corp (IL)

I had received several calls about some new program under the Obama XXXX saying if I worked for a XXXX, which I do, that I could qualify for loan forgiveness. After several calls I finally inquired with the company, XXXX, about it, and the people told me that they could consolidate my loan and place me on an income driven repayment plan. I was in a hurry to give off the phone, so they rushed me through the process saying I needed to check my credit to see if I could finance their fee, which would cover them sending me the paperwork and them filing it with the student loan company. I agreed to it, not knowing it was a scam, signed the paperwork, paid the down payment, and sent in the required documents, only to have them not complete the process. They have charged my account XXXX for several months. Recently I received an email from the student loan companies saying I had been scammed. I called XXXX and Equitable Acceptance Corporation, the company taking money out of my bank for loan payments, only to have them try to explain it away. It is on my credit report, has hurt my credit and chances to get a house. I am upset that it is a scam and they took advantage of my being in a hurry. I have also contacted the student loan company, and they told me all of this could be done myself to achieve the same results. The consolidation that the scam company tried to do was not eligible or something. I was told that I did n't have to use them, to stop payment at the bank and to contact consumer financial protection to help me fix the issue. I have gotten behind on the student loan situation, but they gave me a deferment now because of this so I can fix it. If I get my money back from Equitable acceptance great, if not just help me get them off of my credit report so I can purchase a house soon. This has been an extremely frustrating process. I have other issues more important to deal with yet have to worry about a scam I should not have to worry about because they take advantage of people. I should have been more careful but they caught me at a vulnerable moment. They made it sound so legitimate and helpful, escpecially in my time of need. Thanks for your help.
Consumer complaint received 2017-08-24
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. (IL)

I have been trying to resolve this matter with XXXX XXXX with no success for quite some time now ; submitted formal dispute via the major credit reporting agencies, and XXXX XXXX headquarters demand verification/validation of debt/account to this day XXXX XXXX has not responded nor have they been removed from my credit file. I do not have a contract with them, nor am I responsible or liable for this debt/ collection from XXXX XXXX XXXX on XXXX/XXXX/2014
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance to Fair Credit Reporting Act, the following account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A, states I have a 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 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-08-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BBVA FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I called and when the call went through the various prompts to speak to a customer service representative, the call disconnected. I attempted this four times until I decided to call a local branch. I spoke with XXXX ( a teller ) and she was n't able to assist me because the branches are n't on the same interface. I made one last attempt to call and finally got through to a live person name XXXX and proceeded to ask him a series of questions and when he felt that he could n't answer my questions, he told me that I had a fixed rate of 11.23 %. Okay but he did n't answer any of my questions and when I kept asking him to clarify he hung up. I decided to call from the office phone and SURPRISE I was immediately connected to a live person name XXXX. I asked him the following questions : What kind of loan do I have - simple interest, pre-computed interest, and do I have a pre-payment penalty? His reply was that I had a simple interest loan and that there was n't a pre-payment penalty. I proceeded to tell him that there was a discrepancy with my account. There 's a curtailment of {$52.00} that posted on XX/XX/XXXX and my XX/XX/XXXX payment is {$670.00}. My monthly payment per my contract is {$620.00} and I was told that I owed {$52.00} in late fees ( by which I 'm still trying to understand because this billing is so convoluted ) so why was n't the {$52.00} applied toward the late fees? He told me that the {$52.00} was automatically added to the principal. I asked him " why are you automatically applying extra funds toward the principal especially since I was told by one of the CSRs that I would have to call in if I want extra funds to be applied toward the principal? '' Looking at this account online it appears to be so erroneous and I do n't know how to go about to get some sound clarification. I also believe that my account has been flagged not to accept calls. I can not make payments online because I do n't have a checking account with them, I 've gone through the steps of adding my checking account from another bank and they made me wait two days to verify and I 'm still unable to make payments online. I had to go into the branch to make XX/XX/XXXX 's payment and I paid through my bank 's online bill pay for XX/XX/XXXX 's payment. I 'm trying to get this resolved. He made the adjustment to reflect the {$52.00} be applied to late fees and that the late fees be taken off of XX/XX/XXXX bill. He told me that it should reflect online in 72 hours and my confirmation number is XXXX. I checked my account on XX/XX/XXXX and there 's no change. I also noticed that I have a list of items marked " fees '' with different amounts but when I inquired about it one other time, the CSR could n't answer my question. I 've attempted to call, I 've written and there 's no response.
Consumer complaint received 2017-02-06
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: NAVY FEDERAL CREDIT UNION (FL)

While I was traveling my Debit card was fraudulently used for online purchases to XXXX and XXXX. 
I was able to obtain demographic & personal identification information about the person ( s ) who fraudulently used my card. 

I want to make official report.
Consumer complaint received 2023-01-25
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 out on XX/XX/2022 to XXXX, TransUnion, and XXXX. Here are my tracking numbers : XXXX, XXXX, and XXXX. However, it's been more than 30 days and the credit bureaus failed to return my investigation. I am distressed that the credit bureaus have included inaccurate information on my credit profile and that They have been unable to maintain reasonable procedures in their operations to ensure the maximum possible accuracy in the credit reports they publish. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S.Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurately 15 U.S.Code 1681i if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia (VA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (NC)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.