davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-15
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. (NM)

Upon being told by the VA that I was no longer able to pursue a career in XXXX I then took the steps to have my loans forgiven as I was in the process of becoming a XXXX XXXX XXXX  XXXX XXXX Veteran. I had my physician at the VA fill out paperwork certifying that I was no longer able to pursue a career. My injuries sustained while in the service were the reason for me being approved by the VA for XXXX XXXX XXXX XXXX XXXX. I have submitted all the required forms to XXXX XXXX including a letter signed by my physician at the VA acknowledging that I am XXXX  XXXX XXXX XXXX XXXX veteran. Paperwork was submitted in XXXX 2010 return receipt signature required. Account # XXXX XXXX {$8500.00}, # XXXX {$20000.00}
Consumer complaint received 2017-07-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (NY)

OVERVIEW : I am a former home equity line of credit ( HELOC ) customer of Regions Bank. I have satisfied the HELOC in full on XX/XX/XXXX and Regions Bank confirmed this via their attorneys XXXX, XXXX XXXX XXXX, XXXX, as well as by refunding me overpayment check but Regions has yet to satisfy/release the mortgage they put on my home preventing me from refinancing my home at another bank. It has been four months and Ive tried to contact Regions multiple times but keep getting the run-around and cant even get them to call me back/write me back/assist in this matter at all! Background & Details : I first obtained a HELOC from XXXX XXXX XXXX XXXX in the amount of {$300000.00} with my wife on XX/XX/XXXX and they subsequently recorded a mortgage against my home in the same amount ( ATTACHMENT 1 ). In the years since, this HELOC has been extended several times and sold/transferred to several different banks until finally landing at Regions Bank.
I was discussing renewing this HELOC with Regions Bank loan officer when I received via mail ( ATTACHMENT 2 ) on XX/XX/XXXX that the loan was due/past maturity and Regions was calling my loan due for total outstanding amount. After discussing with their law firm XXXX, XXXX XXXX XXXX, XXXX, I decided to pay Regions back in full and made full payment amount of {$300000.00} ( ATTACHMENT 3 ) on XX/XX/XXXX. XXXX, XXXX XXXX XXXX, XXXX. sent me confirmation ( ATTACHMENT 4 ) that they had received the payoff and that their legal file was closed out due to the pay off of the loan. They subsequently informed me via telephone that Regions Bank would satisfy my mortgage and remove it from title of my property. Regions then sent me via mail a cashiers check for {$98.00} ( ATTACHMENT 5 ) stating OVERPAYMENT OF LOAN on XX/XX/XXXX signaling their receipt and closing out of the loan. Please note that the loan number on original notice of payment from Regions, wire confirmation from my Bank, confirmation letter from law firm & overpayment check from Regions all match as same. Since XX/XX/XXXX, I have made no less than 10 calls to Regions Bank asking for them to release their mortgage on my property so I can refinance my home but each call has failed and they can not even refer me to their loan satisfaction department.
Any assistance you can give me to resolve this situation with Regions Bank would be greatly appreciated. Thank you in advance for your help.
Consumer complaint received 2017-08-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc (OR)

I was told this was just a mistake, but it is an egregious mistake that I was not likely to discover. If I 'm not alone, this could be a huge scheme. I bought a home and the agreement included an " XXXX XXXX {$380.00} '' warranty, printed clearly on page 6 of the sales agreement, which I was told was a standard 1-yr coverage for home appliances and the like. But XXXX XXXX and/or Chicago Title purchased the lesser XXXX XXXX for {$200.00}, which does not cover appliances. I only discovered this because my kid jumped on our dishwasher door and destroyed it, but would n't have known otherwise because the neighborhood is new and so are all my appliances. Upon reading the fine print, I realized abuse was not covered under the warranty I was supposed to get, so I said " Great! Just give me the {$170.00} you saved by skimping on my insurance! '' Since I only had a month left, it was a no-brainer, their mistake would help pay for my new dishwasher because that recently-discovered money had to go somewhere. But they refused, saying that they could " correct the mistake '' with the insurance company ( XXXX ) 11 months later, and give me one last month of XXXX XXXX that covered appliances, which is not worth the {$170.00} they almost pocketed so late in the warranty term. In your opinion, am I now buying 1 month of appliance warranty for the same price as as the 1-yr warranty? Should n't I be entitled to that money, having caught their mistake, given that I would no never agree to such an absurd warranty price for 1 month of coverage? Keep in mind, had I not caught the mistake, XXXX XXXX and/or Chicago Title would have never told me about the {$170.00} that was intended for me. Is this making sense?
Consumer complaint received 2017-08-15
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. (ND)

I received a telephone call from a XXXX XXXX XXXX representative in regards to XXXX credit card account : XXXX. I was asked by the representative did I apply for a XXXX credit card account. I informed the representative that I have never applied for a XXXX credit card account, someone stole my personal information and identity, applied for the XXXX credit card and has been impersonating me for years. I am a victim of identity theft and has been a victim of identity theft for 11 years. I have never ever applied for a XXXX credit card account. The XXXX credit card account : XXXX do n't belong to me.
Consumer complaint received 2017-08-14
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AL)

IN PREVIOUS COMPLAINT REGARDING XXXX XXXX XXXX XXXX ( XXXX ), THEY ALLEGED THAT THE ( XXXX ) DID NOT RECEIVE SUPPORTING DOCUMENTS TO DISPUTE A CLAIM OF AN OUTSTANDING BALANCE OF THE ACCOUNT IN QUESTION. I HAVE ATTACHED MY BANKING STATEMENT FOR THE AMOUNT OF {$490.00} DATED XX/XX/XXXX,2011. AGAIN, MY PERSONAL BANKING STATEMENTS WILL CONTINUE TO SHOW THE {$490.00} AS WELL AS THE {$7700.00} WHICH REPRESENTED THE PAYOFF OF THE LOAN. ALSO, THE CONFIRMATION FROM MY PERSONAL BANK AS STATED IN THE ( XXXX ) RESPONSE.
Consumer complaint received 2017-08-15
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)

Transunion had a computer glitch twice that erased all hard inquiries off of my credit report. A few days later those same inquiries that were deleted were reinserted without notifying me of the deletion or reinsertion. According to the FCRA, requires the credit reporting agency to notify you no later than five days after the date of reinsertion, and no notification was provided to me of reinsertion. I have contacted Transunion on several occasions on good faith about deleting hard inquiries from my credit file they have illegally reinserted with no satisfaction. I 've been told to file a police report or contact creditor for a letter of inquiry deletion.These inquiries add a hardship for me and my rights are being violated by Transunion.
Consumer complaint received 2017-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion continues to report two erroneous bankruptcy accounts on my report. I have disputed it several times and asked for their method of verification, which they failed to respond too. According to their report, the information was provided by the XXXX XXXX. However, I contacted the XXXX and received a letter stating that the XXXX does not report bankruptcies to the bureaus, nor due they assist with disputes. Per the FCRA, all entries on a person 's credit report must be 100 % accurate, complete and VERIFIABLE. Since the accounts can not be verified by the method contained in the report, it must be DELETED!
Consumer complaint received 2017-08-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CIT BANK, NATIONAL ASSOCIATION (TX)

XXXXXXXXXXXX said my score has to be above 580 with XXXX and 4 trades line my score is way above that with way more than 4 trades line decline my loan for no reason so if my attorney file a complaint they will have decline same credit tier remember XXXX was sued b/c of discrimination for 100 millions of dollar!!!!!!
Consumer complaint received 2017-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (FL)

Original account was XXXX for cable service. Service was discontinued and all equipment returned. My account was turned over to Afni, Inc and XXXX XXXX in the amount of XXXX related to equipment fees, even though all equipment was returned to XXXX. Both companies have been unresponsive and reporting collections on all 3 credit bureaus.
Consumer complaint received 2016-12-05
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

I made a payment at Walmart through MoneyGram and it was supposed to be for an XXXX XXXX XXXX with XXXX # XXXX through the XXXX in the amount of {$70.00} that was applied to the creditor XXXX XXXX XXXX XXXX. 
I went back to Walmart and they said that I had to address the issue with MoneyGram and I did and they told me that they have to wait for XXXX XXXX XXXX XXXX to refund the money to them in order for them to put on the account that I requested initially.
Consumer complaint received 2017-07-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Wednesday XX/XX/XXXX I paid Credit Acceptance XXXX to redeem my repossessed XXXX XXXX XXXX. I spoke with the redemption dept who set up a payment plan to bring the account current. The next payment was due XX/XX/XXXX in the amount of XXXX give or take a few cents. I was n't advised there 's no grace period and I made the payment on XXXX/XXXX/XXXX after talking with a representative that called me on XX/XX/XXXX explaining the arrangement is no longer valid and can not be reset even if I made the payment with them. They wanted to know why I could n't make the payment on time. I explained to rep ( her ) that " I stopped working XX/XX/XXXX. I had an unemployment claim already opened so when I reported my unemployment it was attached to the claim that expires on XX/XX/XXXX after which you have to file a new claim even if you 're are n't working. Well I started a job on XX/XX/XXXX so my new claim is only for 1 week of unemployment. After waiting 30 days for the claim to be approved I was told because I 've never received payment under the new claim, it wo n't payout the 1 week until I report unemployment again. That was {$500.00} I needed and was counting on to help catch up all my bills. '' I have never heard of a no grace period, no was it explained and there 's no paperwork explaining the repayment plan and the consequences. All these arrangements are done via the telephone. On XX/XX/XXXX I called Credit Acceptance to confirm the payment and was told by the rep that I have to pay XXXX every two weeks until the account is brought current. Right now the account is maybe 30 days late meaning I owe 1 payment. I asked to make a payment on XX/XX/XXXX which is my payday and he stated he can not make any arrangements past the date of XX/XX/XXXX I made the payment today for XXXX and they are still threatening to pick the vehicle up every 2 weeks. The only way to get back on a payment plan is basically let them pick the vehicle up and then pay the fees and costs for the repossession and I they will work something out for you.
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (IL)

Navient solutions Reported on My XXXX Credit file that This one Account is Closed With Multiple Late Payments.
They pick up A New Loan in XX/XX/XXXX Which aim current With. They Late Pays On This Closed Account in 2014 should be removed.
Consumer complaint received 2017-08-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (TX)

Second complaint from original CPFB complaint # XXXX a monetary relief agreement was given but Santander USA, has yet to apply to my balance this would XXXX out my loan and it would be paided in full also title would be issued after that they stated 5-7 to reflect that has yet to happen. Also, please remove from the 3 credit bureaus as mentioned.
Consumer complaint received 2017-08-14
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: Experian Information Solutions Inc. (FL)

Experian continues to report two erroneous bankruptcy accounts on my report. I have disputed it several times and asked for their method of verification, which they failed to respond too. According to their report, the information was provided by the Bankruptcy Court. However, I contacted the Court and received a letter stating that the Court does not report bankruptcies to the bureaus, nor due they assist with disputes. Per the FCRA, all entries on a person 's credit report must be 100 % accurate, complete and VERIFIABLE. Since the accounts can not be verified by the method contained in the report, it must be DELETED!
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (GA)

XXXX XXXX  is reporting that I owe a debt of {$160.00} to XXXX XXXX XXXX. I do not owe XXXX a balance of {$160.00} and I have never owed a balance of {$160.00} to XXXX. I have reported this issue to the State Insurance board and they contacted XXXX regarding the debt. A representative from XXXX sent myself and a state a letter in writing acknowledging the error. They have since submitted a notice to XXXX XXXX notifying them that I never owed a balance of {$160.00}. XXXX XXXX has received this notice and is continuing to report false information after being updated by the original creditor. The incorrect reporting of this debt is violating the FCRA and Georgia state laws. If XXXX XXXX does not remove this debt of {$160.00} I will be forced to pursue legal action against the company.
Consumer complaint received 2017-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

My loan was service transferred from XXXX XXXX XXXX to specialized Loan Servicing over a month ago. Since my loan is in the state of my deceased mother they have not spoken to me about the loan even though I have on multiple occasions emailed and faxed over the documentation showing the estate awarded to me and on the Executor of estate. Also XXXX XXXX XXXX should have transferred this information over as well. There is an issue with my escrow account and nobody will talk to me about it even though I keep sending them the proper documentation so they can speak to me. At this point it 's costing me more money from them because there appears to be forced placed insurance in addition to my regular insurance and I ca n't speak to anyone about it to get this rectified.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per 15usc 1611 XXXX Transunion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Consumer complaint received 2017-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NJ)

XXXX XXXX XX/XX/XXXX Executive Response Unit Citibank , N.A . Office of the President XXXX XXXX XXXX XXXX XXXX, SD XXXX In reference to your letter dated XX/XX/XXXX responding to CFPB Case # XXXX regarding blocking my Citicard credit card account I have the following comments : 1. Both your letter and your summary to the CFPB omitted the amount of the potential fraudulent transactions. {$10.00}. I repeat the amount here to emphasize that I expect common sense to determine security actions. Blocking my account over a potential fraud of {$10.00} is not using common sense. 2. You write Please contact the merchant to ensure they have the correct information on file. No. I will advise my wife to use another credit card in this doctor 's office. Why is n't Citicard staff performing followup with this merchant? 3. On XX/XX/XXXX I complained to CFPB. On XX/XX/XXXX you state you reviewed my account and the block was removed. Why did you not remove the block prior to my CFPB correspondence? My initial emails to Citicard were dated XX/XX/XXXX.  Apparently if I want timely results I should be contacting CFPB before I contact Citicard. 4. On the issue of the Citicard Secure Messaging Center I was able to send two emails, but the third was not accepted by your system. I think you have system problems, and your resources should be expended fixing these problems, rather than annoying customers by blocking accounts. 5. You state your Fraud Department is not able to use your Secure Messaging Center, and requires telephone contact with customers. Again this is a resource problem for Citicard. You have to design your systems properly to allow for internet and email verifications. If there are any future problems with my account I will be contacting CFPB directly because they have been more responsive and helpful to me than Citicard staff.
Consumer complaint received 2017-08-14
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 was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX I was never late 30 days in the month of XXXX 2011. I have always made my payments on time when I received my statements. I am not sure how this happened. My only thought is that there was a billing error with my statement.
Consumer complaint received 2024-11-22
Product: Credit reporting 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. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2017-08-15
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. (MN)

I sent it a dispute various times since it does not follow the XXXX reporting regulations. When I received a response from them, I asked for information on how it was verified and did not get a response, only a letter saying it was verified again.
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX is reporting that I owe a debt of {$160.00} to XXXX XXXX XXXX. I do not owe XXXX a balance of {$160.00} and I have never owed a balance of {$160.00} to XXXX. I have reported this issue to the XXXX XXXX board and they contacted XXXX regarding the debt. A representative from XXXX sent myself and a state a letter in writing acknowledging the error. They have since submitted a notice to XXXX XXXX notifying them that I never owed a balance of {$160.00}. XXXX XXXX has received this notice and is continuing to report false information after being updated by the original creditor. The incorrect reporting of this debt is violating the FCRA and Georgia state laws. If XXXX XXXX does not remove this debt of {$160.00} I will be forced to pursue legal action against the company.
Consumer complaint received 2024-10-14
Product: Credit reporting 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. (CT)

There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me anxious on why and how this happened.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.