davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America structures payment transactions to benefit the bank over other retailers. I paid a bill on XXXX in the early morning hours. A payment to the bank was set to pull its payment for a HELOC on XXXX or later. The bank has prioritized its payment over the payment that was made first causing my account to be overdrawn and the payment to the first retailer returned. When asked about this practice the customer service agent stated they were allowed to structure payments that way. Despite the fact that the other payment was made first.
Consumer complaint received 2024-10-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (WA)

My mortgage was given a forbearance and in XXXX I started calling my single point of contact XXXX XXXX. I called my single point of contact multiple times but NEVER received a return call. I called and left voicemails on the following days : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. NONE of these calls were returned. I also left vm on her direct line of ( XXXX ) XXXX. I finally was able to reach XXXX when she randomly answered the ( XXXX ) XXXX phone number on XX/XX/XXXX. When I challenged her on when she supposedly called me, I was told " Oh we are not playing that game! '' Then I was put on 15min hold! This is unacceptable to give me a single point of contact who never returns calls. After speaking with XXXX she told me she has no way to check voicemails. Even if that is the case, a message was left for her by XXXX XXXX on XX/XX/XXXX to call me. He told me she had 24 hours to return my voicemails. I also told him to report if the IVR systems was having issues routing calls that needed to fixed. I am documenting this because on XX/XX/XXXX I was locked out of my account and now can't make payments. This was never disclosed to me. The delay in her answering my calls has made it difficult to understand what my options are to resolve this. I received a letter saying I had been approved for workout plan, but I don't know the details of that " workout ''. I was able to make 2 payments in XXXX XX/XX/XXXX & XX/XX/XXXX. I submitted documents on XX/XX/XXXX to the loss mitigation email and didn't receive any phone call in 3 days as your policy states if something is missing. I have emailed loss mitigation email and also the Shellpoint portal, no response. On XX/XX/XXXX I spoke with XXXX and she was submitting me for a deferment- why this wasn't offered back on XX/XX/XXXX? I had to make 3 payments + fess ( she couldn't tell me the amount of the fees! ) She told me I wouldn't get a second chance and that when she called, I need to make the payment! I received NO update on that deferment from XXXX or Shellpoint. On XX/XX/XXXX I got a letter in the mail saying I owe {$12000.00} by XX/XX/XXXX or Foreclosure and that I need to call their office before I send payment. I again called on XX/XX/XXXX ( 3 voicemails left and sent emails ) XX/XX/XXXX 2 more voicemails. I have repeatedly asked XXXX for a Foreclosure date and told she doesn't have that. When I called on XX/XX/XXXX I was told I wasn't near foreclosure and not to worry. THIS COMPANY IS COMPLETELY UNETHICAL!!
Consumer complaint received 2024-10-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC. (FL)

When I first contacted CFPB was around XX/XX/XXXX after ALLY repo my SUV  via XXXX XXXX, who violated my rights by refusing to release my personal items unless I sign a release contract, Which I did not. I called the REDEMPTION DEPARTMENT AT ALLY and spoke to XXXX. She was very rude, demanding, obnoxious and ordered me to turn in my keys while I'm telling her I don't owe Ally any money and want my SUV returned. She told me I needed to pay {$4100.00} by XX/XX/XXXX, or they will sell my XXXX XXXX XXXX XXXX. After XX/XX/XXXX XXXX ; I called to check on my SUV I was told they moved it XXXX hours away to sell it without my permission. I already had a complaint open with CFPB waiting for ALLY response. It was past the 15 days, and they were about to sell my SUV. I had no choice but to pay them to keep them from selling it. I was given an option to wire the {$4100.00} only. I wired the full amount on XXXX XXXX. They responded to CFPB that same day. I picked up my SUV on XX/XX/XXXX, at XXXX WHO WAS TRYING TO FORCE ME TO SIGN A RELEASE CONTRACT. I REFUSED AND TOOK PICTURES WITH MY PHONE AFTER SHE LEFT WITH ANGER HOLDING THEPROOF OF SELLING PAPERS. XX/XX/XXXX, I received a letter from Ally saying they sent my title to XXXXXXXX XXXXXXXX XXXX XXXX ; IN ORDER FOR ME TO BE RE-REGISTER. XX/XX/XXXX, I went to XXXX XXXX XXXXXXXX to pick up my registration and title. Ally had pre highlighted areas on the paperwork for me to sign. I signed with XXXX ( beneficiary ) on all the papers and the tittle only to find out ALLY DELETED ELECTRONICALY. Attached is a copy of the tittle and other paperwork I signed as beneficiary ( I took pictures with my phone. ) I tried to remain honorable by paying XXXX, XXXX and XXXX {$890.00} per month not because I owe them, but to keep them from repossessing my SUV. I have let the IRS know that ALLY TOOK MY CREDIT OF OVER {$40000.00}, I ALSO SENT ALLY A COPY OF TTHE 1099c APROAVED FROM THE IRS. ALLY IS MAKING THOUSANDS WITH MY BOND INSURANCE. I MADE IT XXXX TO ALLY THAT I NEVER IN GOOD FAITH GIFT THEM MY SUV AND PROCEEDS FROM TNE BOND INSURANCE. I stopped paying ALLY XXXX months ago considering I discharged the debt they created. Yet, last month they called my ex-husband demanding money after I sent them a Cease-and-desist letter and verbally. I also received a letter from Ally dated XX/XX/XXXX, demanding {$3200.00} by XX/XX/XXXX, or they will repossess my car.
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Today ( XX/XX/year> ), I was told by Wells Fargo that my account had been closed and my debit card privileges had been revoked by the fraud department. I opened my account in XXXX as a second chance banking account to deposit a check from the state that was from my grandfather 's will. I had a good relationship with XXXX, and nothing was wrong. I recently checked my bank statement and seen a couple of purchases that needed tending to, simply because they either were for items that I bought that were given to me in a condition that was not as advertised or were delivered to my house much later than the delivery dates that were provided to me. I decided to go ahead and file some disputes under XXXX claim to limit the hassle of multiple claims all going in at once. I was told that the number of claims did not affect anything, so I felt comfortable doing so. Today, I went to the doctor 's office for a checkup and noticed my card wasn't working even though I had money in my bank account. I was prompted to use a separate card, but it was to my dismay. I decided to purchase XXXX more thing after my appointment and was not able to get it to work. After calling the Wells Fargo line, I was told that my privileges were taken due to the fact that they reviewed my debit card history and the claims I put in. If they truly looked into everything, they would see that my claims were all legitimate and I mentioned to the person who serviced me that I could provide evidence if necessary. Also, my debit card history has NO issues, and I have not made any fraudulent purchases NOR have I submitted claims in the past to even be monitored. I prompted the employee to escalate this to XXXX in order to reach a final ruling and possibly reverse the ending of my relationship with Wells Fargo. As said before, I can provide ADDITIONAL INFORMATION if necessary and will send the same claim to OCC.
Consumer complaint received 2024-10-22
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. (CA)

I am filing this formal complaint to report a SERIOUS violation of my rights under the Fair Credit Reporting Act ( FCRA ) by Equifax. On XX/XX/XXXX, I mailed Equifax a certified dispute letter regarding some derogatory accounts reported by XXXX ending # XXXX, XXXX XXXX, XXXX XXXX, and XXXX. In this letter, I specifically requested that Equifax provide the method of verification for this account. I also asked that if they could not provide this information, they must remove the derogatory entries as required by the FCRA. Despite my clear request, I logged into my Equifax profile today XXXXto see that the investigation was completed XX/XX/XXXX, but I couldnt see the results, nor was I emailed or mailed the results or the method of verification information I requested! Equifax failed to provide the method of verification, as required under FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ). They did not disclose the procedures used to determine the accuracy of the information or identify who exactly provided this verification, which is a direct violation of the FCRA. Per the FCRA, Equifax is obligated to provide this information upon request. Specifically, Section 611 mandates that if a consumer disputes the accuracy of information and requests the method of verification, the credit reporting agency must furnish the procedure used to verify the information, including the name, address, and contact information of the furnisher. Equifax has blatantly ignored this legal requirement. Given Equifaxs non-compliance and refusal to provide the requested documentation, I am formally requesting that the derogatory information related to these accounts be immediately deleted from my credit report. Euifaxs refusal to provide the necessary information regarding the verification process means that they have failed to meet their obligations under the law. I request that the CFPB take swift action to investigate this matter, hold Equifax accountable, and ensure that these accounts are deleted from my credit report as they have not been properly verified. Please update me on the steps you will take to resolve this dispute promptly.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

I previously disputed several incorrectly reported items on my consumer profile, including a public record. LexisNexis sent letters to me stating that several items were deleted on my consumer profile. No updated consumer report was mailed to me. No link was provided for me to access my report. I have since called LexisNexis about six times requesting clarification on changes to my report. Each time that I call and explain my concern, I am transferred to a " Public Records '' department. Once connected, the representative blatantly disconnects the call. There were times that I was disconnected before the transfer. I have asked for a warm person-to-person transfer but that did not happen. I am placed in the queue each time. I have emailed LexisNexis, but no response. The company is refusing to provide me with a copy of my report and is deliberately making the dispute process difficult. My request is that LexisNexis investigate the calls and emails. A company that has access to my personal data yet hangs up on me fails to respond, and fails to provide me with the requested information is alarming to me. I am also requesting that LexisNexis provide me with a detailed explanation of the disputed information. As there is no way for me to know which record ( s ) were changed in my consumer profile. Today I spoke with " XXXX '' and " XXXX. '' When I spoke to XXXX she told me that she could not help me after I waited several minutes. She then told me that due to the security freeze, I can not get my consumer report. When I told her the security freeze has been on my profile since 2018 and I have received several letters this year with a link giving me access to my report, she then said it was due to my state. I then explained that my address is the same and asked for a supervisor. She said I would have to await a callback. She asked if I could provide a different number because a rep tried to call me previously and could not reach me. I explained that I was never informed that anyone would call me. I receive spam and scam calls. Had I been advised that someone would contact me, I would have been expecting their call, ultimately answering a known phone number. Six attempts later and still no resolution. Still no consumer report. Still no answers.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 to be removed/updated.

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. 

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!
Consumer complaint received 2024-10-14
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. (FL)

I am writing to formally dispute the results of your investigation concerning the account listed as XXXX XXXX XXXX, Account XXXX. XXXX on my TransUnion credit report. Your records indicate that this account has been verified as accurate. However, I must express my concern and frustration with the outcome of your investigation, as it directly contradicts actions taken by both XXXX and XXXX, who have rightfully deleted this account from my credit reports. 
Given that this account has been removed by two other major credit reporting agencies, I find it impossible and unacceptable that TransUnion continues to report this account as verified. This inconsistency raises significant concerns regarding the accuracy and thoroughness of your investigation, which is mandated under the Fair Credit Reporting Act ( FCRA ) to ensure that all credit reporting agencies report consistent and accurate information.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 seven 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 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Metro 2 compliance letters were mailed out to all XXXX credit bureaus on all of these following dates. 
XXXX XXXX XXXX XXXX XXXX They seem to refuse investigating my accounts considering all the stall letters I've received.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have been having multiple issues with this company and they still refuse to update the false credit reporting. I was under the covid forbearance program and while i also had significant issues with that process, they are refusing to comply with the terms and still reporting the forbeared amount ( {$11000.00} as delinquent ). I have resumed making my payments consistently since XX/XX/XXXX and also in some cases made more than my regular payment amount and they have not been applying the excess amount correctly. 
They have also reported incorrect information in my credit reporting which was reported XX/XX/XXXX. These are all the incorrect information to date : 1. Reporting forbearance from XX/XX/XXXX through XX/XX/XXXX ( 17 months ) instead of 9 months ( please note that they should not be reporting this in the first place per CARES ACT ) 2. XXXX XXXX XXXX payment late even though they received payment per transaction report I pulled from their page. This XXXX transaction statement showed I pay {$1400.00} monthly and they only apply {$1300.00} which is incorrect. 
3. Month end balance as of XX/XX/XXXX is {$160000.00} and they are showing {$170000.00} 4. They are showing a monthly payment of {$1300.00} on credit report even though my monthly payment is {$1300.00} The number of inconsistencies is mind boggling to say the least. I called again today and spoke to XXXX who was beyond rude and asking me to email their support team even though I have done this on multiple occasions with no response to date. 

This loan servicing company is not complying with regulations and especially not following Section 6 of RESPA as they have refused to respond to any of my written requests. Please see attached the request emailed and sent to them on XX/XX/XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

The about isnarpund XXXX something i have no idea wjat this is i also did not give any qritten concent for anything that is on my credit report! Every single thing that is being reported on there i have not given written concent and it is against the law. And i need to be deleted asap. All debt is obligations of united states. 12 us code 411 all federal reserve note obligations are obligations of the XXXX XXXX. 31 us code5118 a 2 your federal reserve note problems are not my problem but the problem of the united states treasury. And i need all of it taken off and deleted. Also i will file with the ftc. For soliciting my personal informacin between companys i did not give written concent to any of the companys.
Consumer complaint received 2024-10-22
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)

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.