davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CA)

In the beginning of XXXX 2015 I was informed by Equifax that my credit report would be transferred over to their " Equifax Office of Consumer Affairs ''. At the time I had no idea what this department was nor why I was placed in this department. 
Also around early XXXX I began applying for credit cards and shopping around to refinance my home. 
I was denied several credit cards and mortgage opportunities. I had no idea why until I started receiving letters in the mail with the reasons why. These letters were stating that " Equifax credit bureau information is missing/unavailable or score not available ; insufficient or unknown credit history ''. 
Curious I called the " Equifax Office of Consumer Affairs '' to ask about the situation. I was told that companies would not be able to get access to my reports anymore because NOW my reports were being held by the " Equifax Business Division ''. 
Meaning mortgages, credit cards, insurance companies and even a job that Im trying to get would have to contact this Equifax Business Division. 
This has been a HUGE burden on my family and I. I cant apply for jobs in a timely matter, get car insurance, nor apply for credit. I also can not access my credit report online anymore, which according to the law I have to right to receive. 
I want to be taken out of this " Business Department ''. I want to be taking out of their " Equifax XXXX of Consumer Affairs Department ''. 
I have still never received a explanation in writing as to why I was put their special departments in the XXXX place. I do think because of me contacting the CFPB in the past, this is their way of " punishing me ''. 
Regardless I have a right as a consumer to access my personal credit report and give permission to other entities without having them contact the Equifax Business Division. 
I would like an explanation as you why this happened. I have also contacted a lawyer about the situation. I am ready to go further if need be. Hopefully this can be resolved without any further problems. 
I would like to have Equfax remove me from these departments immediately. 
Thank you ... .. 

XXXX XXXX
Consumer complaint received 2015-09-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have been trying for last 3 years to get a loan modification from Select Portforlio. They have not helped me and set a foreclosure sale date on my home for XXXX/XXXX/2015
Consumer complaint received 2024-09-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Credit Acceptance has been known for their unjust and fraud practices when it comes to their business. They have not only misplaced my original contract with the wet signature, validating the debt ; they also violated several of my personal and consumer rights with false and deceptive sales, not disclosing my right to rescind and taking a cash payment with a finance charge. In addition, they have illegally repossessed the vehicle and harassed me for payment. Not to mention, this information is on my credit report and reported inaccurately. None of the information is correct and the same with all XXXX credit bureaus, nor is it correct This was a credit sale not an auto loan ; therefore the account type is listed incorrectly, the last reported date has different dates listed between the credit bureaus, the account status is reporting different between the bureaus, the date the account was opened is also reported different amongst the credit bureaus. This is a major violation as I was promised accuracy on my credit report under federal law.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX. * Date of Late Payment : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : 1. The payment was made on time, as reflected in the attached bank statement, which shows that the payment was processed on XX/XX/XXXX, well before the due date. This suggests a clerical error in reporting the payment as late. 

2. Additionally, I have attached the payment confirmation receipt from XXXX, which clearly indicates that the payment was received and processed on time. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-05-19
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL (NM)

the customer service is horrible she doe snot understand what i ask gives me rong balance van not tell me what interest needs to be credited. which i do need. if i catn get interest back i cant use the card. 
i have XXXX bills and am a loyal cusotmer please help or i am not able to use all my cards with you. XXXX XXXX does this and moreplease train yuour customer service reps to speak XXXX welli will not put up with breakdowns and other losses. and scriptsalso i need to dispute the XXXX dolar charge from XXXX from mcsonalds. please hve someone follow up who can communicat effectivelynot staying on the phone for hours begging for interest. i am a good customer who does not want to bear interest based on my record if you inssist i cant use the cards any of them
Consumer complaint received 2015-05-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NM)

I sent a request for an investigation regarding an erroneously reported account by XXXX Support to Equifax. Equifax in turn sent these letters to XXXX XXXX, which invaded my privacy as XXXX XXXX has and had nothing to do with XXXX Support. Not only did they send my personal information regarding my credit but they also sent my social security number, date of birth and my address. This was the wrong thing for them to do and can be damaging to me and my credit. I do n't understand how they could be so careless with such personal information. I as well as other consumers trust them to maintain our privacy. I also sent Equifax proof that this account was paid in full so they could update it and they did not help me with this issue. I have good credit and my accounts are in good standing. I have no history of not paying my debts. This is a gross neglect of my rights and the Fair Credit Reporting Act on Equifax 's behalf.
Consumer complaint received 2015-12-04
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (TX)

I wish to file a complaint against Quicken Mortgage loans. I feel that there initial Mortage qualification process is unfair and inadequate when it comes to eliminating the need to unnecessarily adding a a hard inquiry to my credit report which in turn reduce my credit score by a few points. A few points in my case is a tremendous detriment that pushed me from one demographic to another financially. There are certain criteria that Quicken use that will disqualify an individual from being able to acquire a loan from quicken. In my case the criteria was that of child support arrears payment that were current. I feel that Quicken has been in this industry for a long time and they know what criteria will disqualify an individual. This criteria can be ascertained early on in the qualification stage so as to eliminate a derogatory credit pull on a consumers credit, as is the case with me. Their current process of pulling credit as a first resort is unfair and unnecessary.
Consumer complaint received 2015-03-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (GA)

CCS companies called for XXXX XXXX regarding my estranged daughters bill. Lady was very rude & at first would not tell me who the bill was for.rude lady kept telling me that I would pay the bill & I had no choice at the beginning she would n't tell me who the bill was for or what the service was for. I told her she could send me a bill so I could see what service I had & she said it was to late for that & then my husband took the phone.XXXX told me that I am not responsible for her bills even on my insurance. I keep her on it just as a responsible patent thing to do. She has n't had contact with us in almost 2 years.
Consumer complaint received 2015-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: LEXISNEXIS (TN)

I received my auto insurance policy renewal, after reviewing it and saw it increased by {$450.00} since the previous XXXX month renewal I call communicated with the insurance company, XXXX XXXX. They said the reason for the increase was because of credit report. I told XXXX XXXX my credit had not changed except that I got a home mortgage and I had great credit history and score, otherwise I could have not gotten a large home loan. I could not review my credit history online. I have a very good job, have never not paid my insurance policy premium. If getting a mortgage loan has given me a bad credit score then some it bad wrong with this system and needs to be eliminated.
Consumer complaint received 2015-03-23
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: PHH Mortgage Services Corporation (TN)

PHH Corporation will make repeated calls " Robo calling '', so when I pick up no one answers, they pick up one time and had a real person. These calls are in reference to a {$60.00} escrow that was tacked on and we were not notified by mail or e-mail so they started the harassing calls the next day.I 'm on the do not call list and registered a FCC complaint as well.
Consumer complaint received 2015-04-14
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: CNG FINANCIAL CORPORATION (VA)

I have paid for a pay day loan XXXX and now am being sued claiming I did not pay for the loan. I have been called XXXX times regarding this same loan that I have paid and now XXXX Mediation has made a claim that I still owe {$400.00} and if am sued in court they are seeking {$2900.00}. They do not care that I have letters that claim I have paid for this loan
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : 1. The payment was made on time, as reflected in the attached bank statement, which shows that the payment was processed on XX/XX/XXXX, well before the due date. This suggests a clerical error in reporting the payment as late. 

2. Additionally, I have attached the payment confirmation receipt from XXXX, which clearly indicates that the payment was received and processed on time. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

My account with ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2015-03-24
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XXXX XXXX I went to the Citizens Bank on XXXX XXXX, in XXXX, MA and gave my son 's bank information in XXXX and wired {$200000.00} to XXXX do XXXX, where my son has a checking account. ( My son lives in XXXX ) On XXXX XXXX, I 've realized there was a mistype in the XXXX he gave to me. I called the Citizens Bank Wire Department and was able to fix the number and they told me the money would be available in XXXX on XXXX XXXX. 
Until XXXX XXXX XXXX, the money has not arrived in my son 's checking account in XXXX, but left my account on XXXX XXXX. 
I 've called Citizens Wire Department many times and they told me the money was transferred to XXXX XXXX XXXX and that XXXX XXXX XXXX would be responsible for that wire transfer. 
I 've asked if they could trace the money since it 's been more than 2 weeks, they ca n't. XXXX XXXX XXXX is the bank responsible for that and if XXXX XXXX XXXX has not called them to say something went wrong, they do n't communicate with XXXX XXXX XXXX, they assume everything went well. Although I 've been calling to let them know it has not. 
They also told me I could start a process to get my money back in my checking account with Citizens but I would lose the fees I 've paid for the wire transfer to be made. 
I just want to find out what happened to the money. Even if there was something wrong I should have gotten a phone call or something.. This is not the way a Bank should treat a client/customer who trusted the Bank. This is disrespectful! 
Another thing, they should clear state to the customers they are NOT allowed to do International Transactions and that their money is going to be transferred to another Bank for the transaction to be complete. 
I 've got all the dates and time I 've called the Wire Department at XXXX XXXX - XXXX ( XXXX XXXX XXXX XXXX minutes on the phoneXXXX XXXX - XXXX USA - XXXX minutes on the phoneMarch XXXX - Director of Bank - XXXX minutes on the phoneMarch XXXX - XXXX - XXXX minutes on the phoneXXXX XXXX - XXXX ( that day finally the lady told me they 've started a trace and someone would give me a call ) XXXX XXXX - One of their employees finally called ( XXXX XXXX ) but until that day they did n't know what happened to my money. 
I just want Citizens Bank to be responsible for the deal I 've lost in my country - that money was supposed to buy a condo and, of course, I lost the deal! 
I want Citizens Bank to trace all my phone calls ( They 've been recorded ) and try to figure out WHY their employees did n't take an action on XXXX/XXXX/15 when I made the XXXX phone call to complain about a delay ... They should know better. 
I used to work for the XXXX XXXX XXXX XXXX and they call their customers because a {$1.00} coffee. What about Citizens? what do they do for their costumers? 
I would appreciate someone to please investigate this case and force Citizens Bank to improve the way they treat their costumers and solve situation. 

Sincerely, XXXX
Consumer complaint received 2015-08-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Consumer complaint received 2015-12-07
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TX)

Local branch manager has not responded to my request on XXXX XXXX to remove all auto drafts from my Wells Fargo accounts to other linked Wells Fargo accounts. The auto drafts continue to automatically attempt to transfer and create overdrawn accounts and excess insufficient funds and fees.
Consumer complaint received 2015-04-14
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Dynamic Recovery Solutions, LLC (MO)

Received telephone calls from Dynamic Recovery Solutions ( Dynamic ) alleging XXXX very old debts are owed, and it is attempting to collect payment. It is alleged I obtained XXXX XXXX from/amount/date:1. XXXX, {$160.00}, XX/XX/XXXX ; 2. XXXX XXXX XXXX XXXX XXXX, {$320.00}, XX/XX/XXXX ; XXXX. XXXX, {$290.00}, XX/XX/XXXX. 

I advised XXXX XXXX from Dynamic that I do not recall receiving verification of any of these very old alleged debts. Obviously nothing within the statute of limitations. She advised that the statute of limitations means nothing and they can still attempt to collect a debt. The calls are harassing, especially since the statute would have expired,
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2015-12-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC (CA)

I am currently experiencing payment problems with LoanDepot. This company is servicing my mortgage. I have been using my BillPay service at the credit union to pay the loan since XXXX 2015. Everything was fine until XXXX 2015. Starting with the XXXX payment LoanDepot has been rejecting the payments and sending me notifications in the XXXX Mail that my loan is on the brink of foreclosure. My BillPay service does n't understand what is going on either. They are not getting any information from LoanDepot.