davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-30
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: TD BANK US HOLDING COMPANY (FL)

On or about XX/XX/2021, Me and my fiance ' provided a background screening report to XXXX to be considered for a rental apartment home. On XX/XX/2021, I was denied by XXXX due to a past " Delinquent account ( s ), '' -- in which one of the delinquent accounts being TD bank 's erroneous " 30 days late '' reporting to my credit report. 

Per my prior CFPB prior TD bank complaint # XXXX, TD bank resolved this 30 days late dispute in my favor and agreed to send a request to the appropriate credit reporting agencies to update my credit report reflecting the 30 day late/delinquency error.
Consumer complaint received 2023-11-23
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. (NC)

I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the Equifax data breach & may have got into the hands of the wrong person.
Consumer complaint received 2023-07-23
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Per email dated XX/XX/XXXX from XXXX XXXX ( see attached ) the escrow account will automatically terminate in XXXX. 

Per Homeowners Protection Act ( see below ), PMI should stop when the loan balance is 80 % of the original purchase price. 

Per Tax Records and Sales Contract the original purchase price was {$320000.00}. 

The loan balance prior to XXXX was about {$210000.00}. When you divided $ XXXX {$320000.00} that equates to a loan balance that is 65 % of the original purchase price. 

It appears Bank of America has been holding terminating my PMI illegally. Since XXXX PMI should have been terminated. 


Email : Hello XXXX XXXX , You are very welcome. The automatic termination date of your PMI is XXXX  XXXX XXXX. When requesting cancellation prior to that date you're typically required to pay for an appraisal to be completed in order to confirm the property value. This is an investor requirement so it's not something we have the ability to waive or change as we are not the investor ( just the servicer ). lIl submit the request to delete the PM and we will send you a letter within 7-10 business explaining the requirements and next steps to proceed with that process. Once you receive the letter please feel free to contact me if you have any additional questions. 
Thank you, XXXX XXXX Officer, Resolution Specialist Executive Escalations for Mortgage Per below, PMI should have ceased when loan balance is 80 % of the original purchase price. 

The federal Homeowners Protection Act ( HPA ) provides rights to remove Private Mortgage Insurance ( PMI ) under certain circumstances. The law generally provides two ways to remove PMI from your home loan : ( 1 ) requesting PMI cancellation or ( 2 ) automatic or final PMI termination. 
Request PM cancellation You have the right to request that your servicer cancel PM when you have reached the date when the principal balance of your mortgage is scheduled to fall to 80 percent of the original value of your home. This date should have been given to you in writing on a PM disclosure form when you received your mortgage. If you can't find the disclosure form, contact your servicer. 


TAX RECORD XXXX XXXX Date XX/XX/XXXX Grantor XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX Grantee XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sale Price {$320000.00}
Consumer complaint received 2023-07-23
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. (PA)

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX  account # XXXX, XXXX  account # XXXX, XXXXXXXX XXXX account # XXXX, Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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.
Consumer complaint received 2023-11-23
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (NC)

My home was seriously damaged by remnants of Hurricane Harvey on XX/XX/XXXX.  SunTrust Mortgage will not release the remaining funds to me, even though all repairs have been paid in full. 

My SunTrust Mortgage number is XXXX. The Tracking claim number assigned by SunTrust is XXXX. 

I have had 15 phone calls with the SunTrust claims department in order to secure the release of my funds. The dates and names are available on request. 

SunTrust has been holding my final insurance check of {$5200.00} since XX/XX/XXXX. The final repairs were completed on XX/XX/XXXX and paid in full. 

SunTrust claims that they can not release the funds without an inspection. Although no such inspection was required to have funds released with the first {$18000.00} of repairs, they insist it is a requirement as a government sponsored enterprise. 

I have asked repeatedly to speak to someone who could tell me what government agency, law or regulation imposed the requirement. No one could give me that information, and I was actually told that speaking to someone higher up would not help, I would get the same answer. ( XXXX on XX/XX/XXXX ). 

Nonetheless, I went ahead to follow their procedures. 

I submitted a request for an inspection on XX/XX/XXXX. 

I checked on the status of the inspection on XX/XX/XXXX ( XXXX XXXX ), and again on XX/XX/XXXX (  XXXX ). Both assured me that the inspection would be scheduled within their time frame, 2 days to process, 3 to schedule, 2 days to get results back. 

I checked the website on XX/XX/XXXX since the inspection had not occurred. It said the inspection was cancelled on XX/XX/XXXX. 

I called on XX/XX/XXXX ( XXXX ) and was told that the notes claimed that voice mails had been left with me on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. So, the vendor cancelled the inspection. 

This is simply not true. I had no voice mails, and in fact I was calling in during the same time to see where we were. I believe the vendor missed the timeline and falsified the report. 

XXXX on XX/XX/XXXX referred the mater to Inspection Team Management, and I asked to be called back. I was not. 

I called back on XX/XX/XXXX and spoke with XXXX. He verified that a rush inspection request was requested, and assured me he would follow up with the case the next day. 

I called back on XX/XX/XXXX only to find the inspection was again cancelled on XX/XX/XXXX because an updated inspection report was required. 

I was referred to a Resolution Specialist ( XXXX ) who looked at the file and confirmed that an updated inspection was required. He assured me that he would see to it that the inspection was conducted right away. 

I asked to be called back today, and I was not. Of course, XXXX did tell me that he was off on Friday, and they were closed Monday, but he would call me Tuesday. 

So SunTrust Mortgage will not release the funds owed me, funds they have held since XX/XX/XXXX. My mortgage is due on XX/XX/XXXX. 

I urgently need the insurance funds they are withholding from me.
Consumer complaint received 2017-12-28
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. (NY)

An account was open fraudulently with XXXX as the original creditor who than sold the account to XXXX XXXX XXXX a collection agency. I have contacted them many times and informed them of the fraud. The major credit reporting agencies have agreed to remove the account. The account still remains as a negative trade line on my Experian credit file. This needs to be corrected as Ive received correspondence that they will remove the account and still havent!
Consumer complaint received 2017-12-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I applied for a loan modification with OCWEN over a year ago and was granted a loan modification. And then they sent me something in the mail indicating that it was a trail period and the payments would be {$1400.00} before that the payments were only a {$1000.00} and I completed the trail process and for the third time they had some loan monitor from XXXX tell me that I did not complete my paperwork. This continues to be OCWEN 's answer when asking where is my documents to finalize the loan modification. I had to file Bankruptcy against my better wishes just to save my home. I completed the repayment plan and OCWEN received monies for back payments monthly. When I called on XXXX XXXX, XXXX to discuss the process for receiving monthly statements I was informed that I was not entitle to a change of address : ( from my XXXX XXXX to my Home ) address. OCWEN after eight months or more finally produce some loan modification forms that they forward to an attorney that is not my attorney : XXXX XXXX XXXX. I continue to await for the loan modification forms and monthly statements. I want to keep my home and I want to make the monthly payments at {$1400.00}. On XXXX XXXX, XXXX I received two calls from OCWEN and they stated that they were debt collectors. It was so hard to understand when they were saying due too their strong accent. For many of years this has been an ongoing problem with OCWEN they give you false hope on trying to help their customers. I have been a victim and it appears that they continue to hold me hostage with their illegal mortgage practices. I have also followed up and contacted Congresswoman XXXX XXXX and XXXX XXXX for additional assistance in getting this right. OCWEN has poor lending and mortgage practices.
Consumer complaint received 2017-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (OR)

I am writing in regards to my XXXX account. In XXXX of 2015, my account was severely delinquent along with many of my other credit card accounts. We called XXXX XXXX XXXX, a consumer credit service, and signed up to be on a debt repayment program. Each creditor was contacted and agreed to the terms of this program to receive a set monthly payment. Since that time, I have made each and every monthly payment on time to meet the agreed upon due date. I have not missed one payment or made one payment late. I have worked very hard to repay my debt and repair my credit. I have copies of each and every payment and the disbursement to the creditor for all payments I have made. Therefore, I am disputing that XXXX has continued to show a late payment for me each month that I have been on the payment program even though they have received a timely payment each month. This account has been paid as agreed each month and has not been reported accurately on my credit report. XXXX is the only creditor that has continued to report inaccurately every month and I request that this be rectified immediately by removing the late payments from my credit reports. I am attempting to refinance my home and this inaccuracy is preventing me from doing that. Once my house is refinanced, this entire account will be paid in full.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-12-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (CA)

I am writing this letter on behalf of my father. I am his daughter and I just became care taker of his finances on XXXX XXXX, XXXX after he was hospitalized XXXX XXXX, XXXX. 
As I am currently reviewing my fathers finances, I came across his car note. I have many concerns about the contract being that my father is on a fixed income. 
He is requesting a reduction in the interest rate on the car payments. He requests you to reduce the current interest rate of 24.01 % to a more reasonable rate of 3.95 % so it is more in line with the current market rate for used cars. 
We have visited the websites of several competitors and notice that they are offering an interest rate much lower than what he is currently receiving. He stated that the whole process was confusing because of the electronic signature process. He was XXXX XXXX XXXX at the time and does not have a good understanding on todays technologies. After reviewing this information with my father, we feel that this contract is unfair. There is a scam that unscrupulous salesmen and load companies play on the elderly and I am hoping this is not the case. 
My father have been a solid customer with your company for the past 20 months and would appreciate your consideration of a lower rate on his account. You will find that he maintained an excellent history of payment with your company and would appreciate your consideration of a lowered rate at this time.
Consumer complaint received 2017-12-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On the XXXX I was making a purchase from XXXX website for {$450.00} and after two transactions hit my bank for {$510.00} and {$540.00}. Called Bank of America right away and they reverse it. While the funds were not applied to the available balance, according to BOA it would take 24 hours. I waited 24 hours called back and was told that the money had been reversed already and but theres was major discrepancy. Fraud department agent put me on hold for 15 mins. And came back and told me that it was reversed. But that we should wait another 24 hours that the last agent should of given it more time just in case but typically thats how long it takes. That was yesterday. Today I woke up checked my bank and theres was nothing showing these transaction, had even occurred. Everything was erased. Reversals and the charges. Thanks XXXX I took pictures and documented everything from the beginning! This is very bad. My own bank is stealing from me!! and this is not the first time they do this to me!! Money disappeared from The account {$1000.00} gone from the account. I went to the bank and the banker was looking at me crazy and even smile and laughed at me with the agent on the phone which was the fraud department as well, and lastly told me that theres was no case to open because they had already credited the account. Completely ridiculous. I took all my money out off all account. NOTE ** this was all on my business account! BOA IS SAYING THAT THEY CREDITED MY ACCOUNT ALREADY, thats should be in there recorded calls I am sueing and posting every where what your Financial institution is doing.
Consumer complaint received 2017-12-28
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. (NY)

I am contacting you to resolve and on going issue as it seems to not be given the according attention to finally resolve it. I have written in numerous times filed many various complaints the last one being XXXXand will have to take this up with the better business bureau and FTC as it’s not being corrected . Experian has failed to remove an account who the original creditor XXXX agreed to have it deleted but Experian has NOT YET taken immediate action. I need this account removed from all three major credit reporting agencies as the investigation XXXX conducted stated they would.
Consumer complaint received 2017-12-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Select Resource Group (TX)

Company with the phone # XXXX has called me repeatedly and told I owe a debt which I paid seven years ago. Told me I would be served by the county clerk 's office and that I would have a lien put on my assets and that they have recordings of me vowing not to pay. 

She claims that its XXXX or XXXX. I have never received a single piece of documentation. This is distressing and wrong! Other ppl have complained about them at this website XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-30
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : CREDIT COLL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX
Consumer complaint received 2021-12-30
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: EQUIFAX, INC. (IN)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2024-09-25
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. (MA)

I reviewed my Consumer Reports and noticed that I had three late payments on the account with XXXX, account # XXXX. I was never late for these payments, and Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX, account # XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.