davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
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. (IL)

My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

ACCOUNT : XXXX XXXX XXXX, AMOUNT {$210.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$600.00}, ACCT # XXXX ACCOUNT : XXXX  XXXX, AMOUNT {$1200.00}, ACCT # XXXX ACCOUNT : XXXXXXXX XXXX  AMOUNT {$2700.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$840.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$3600.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$1200.00}, ACCT # XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, IL. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL. XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Consumer complaint received 2023-05-10
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)

On XX/XX/2023, I sent a certified letter to TransUnion asking them to DELETE various items and incorrect information reporting on my consumer file. On XX/XX/2023, instead of receiving the status of their investigation, I received a letter stating that they were not processing my dispute because they believe I am working with a Credit Repair Company. With the original dispute letter I sent to TransUnion, I attached a copy of my current Driver 's license along with a Utiity billl confirming an address. I have attached a copy of the original dispute I sent TransUnion along with the " Stall Letter '' that I received from TransUnion. I initially pointed out to TransUnion that their were inquiries into my credit file without getting my permission first. This isn't possible unless they had my permission to do so according to U.S Code & 1681 es seq section 604, which states that all users of my personal information must have a permissible purpose. Please remove this or send me documentation proving how this inquiry is permissible. Pursuant to FCRA 623 ( b ) ( 1 ), FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ).
Consumer complaint received 2023-03-23
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 — Their investigation did not fix an error on your report
Company: CBC Companies, Inc. (TN)

I have been disputing my Innovis credit report for over six months both in writing and over the telephone regarding XXXX XXXX. My disputes have been repetitively ignored. According to the FCRA, Innovis is responsible for reporting accurate and complete information on credit reports. Unfortunately they have continue to fail that requirement and have ignored my requests to correct and complete my credit report so it is not in violation of FCRA requirements. First, The account is missing any Payment History, both good and bad. There is actually nothing listed on the report, it is blank. That is an FCRA violation. Second, both the Date of Last Activity and the Date of 1st Delinquency are missing from the report, again both are FCRA violations as these dates are required so as to determine the correct date the account drops off my credit report, and third, this account was settled back in XXXX between the account holder and XXXX. It is no longer a charge off but considered income by the IRS. The XXXX  was filed with the IRS back in XXXX and therefore the Balance on this account is inaccurate. There should be no balance because it is a settled account. Again, this is an FCRA violation. I have included a highlighted copy of my latest Innovis credit report, the XXXX XXXX and for brevity sake, my last dispute letter sent to Innovis.
Consumer complaint received 2023-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2023 I sent letters to XXXX, XXXX and TRANSUNION about account XXXX account number XXXX with proof that they are reporting inaccurate information on my credit which is negatively impacting my life. I can not get a job that I desperately need because these companies are not reporting accurately. The payment history is completely inaccurate also the dates, limits and activity if this account.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SIMMONS FIRST NATIONAL CORPORATION (TN)

The bank ( Simmons Bank, XXXX, TN ) of charging a fee labeled " ACCOUNT ANALYSIS CHARGE '' of {$10.00} then reimbursing the account and labeling the credit " XXXX XXXX XXXX ''. The charge and credit is deceptive and misleading. Why charge a customer then reimburse them for the same amount?
Consumer complaint received 2016-02-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (PA)

Hello, I recently opened a TD US account via phone. I was given an account number, routing number at the end of the phone call. I provided my address in the US and also my XXXX Address for them to send my " welcome '' packet. When I got home I transferred XXXX usd to that account via external transfers. This was XX/XX/XXXX. The money left my XXXX account and has been in limbo since. I also transferred another XXXX on the XXXX. Neither of these transfers ever hit the account, or were credited as the account was never " activated '' because I did not fill out the signature card as it was sent to my US address. 
I 've had numerous bank representatives call the TD us account, I 've called at least 4 times, we 've had TD north sent my signature card to them. I 've been told something different every time I 've called. I even had a bank manager call a supervisor and was assured that she could fax the signature card and the account would be activated and the XXXX would be credited. I placed another call today to TD and taked with a XXXX employee number XXXX in XXXX , Maine , and he now stated that TD US could not accept a Signature card from a XXXX TD b/c I was an American citizen. This is the first time I 've heard that after dealing with this for almost XXXX weeks. 

So basically I have XXXX dollars in no mans land, TD wo n't accept it, but wo n't send it back to my XXXX XXXX account. I called XXXX and they 're stating that it could be another 10 days until I receive my funds back. This is XXXX not acceptable. 

I need my USD back in my XXXX account ASAP/today. Simply put, not one bank rep knew what they were talking about, and I 'm the one that has to pay the price. 

PS this XXXX rep from TD was probably the worst customer service experience I have ever had in my life. I spoke to him at XXXX XXXX/XXXX/2016
Consumer complaint received 2023-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I got my mortgage in XXXX of XXXX and it was transferred to SPS servicing in XXXX of XXXX. I have never had so much issues with a mortgage in my life. 

The Company has really screwed up with my escrow account and my monthly payment has kept increasing although property taxes have been known. There was an escrow analysis done in XX/XX/XXXX ( XX/XX/XXXX prior to that ) in which there was a ~ {$5000.00} shortage and my monthly payment was going to increase by {$240.00} over 24 months to cover the shortage. At this date, all future property tax disbursements were known. I was told on the phone that my new payment ( {$250.00} higher ) would be my payment going forward as property taxes were unlikely to increase materially after the new property tax level was set based on our purchase price. 

Yet in XX/XX/XXXX, I receive another escrow analysis shortage now that claims there is a ~ {$8000.00} shortage in my escrow account and now my payments will increase {$650.00} a month as the shortage will now be split over 12 months instead of 24 months. When I called SPS, they said my payment will continue to increase given reserve requirements will likely change!! They also were unable to answer my question of why we didn't get the escrow analysis correct that was just done in XXXX of XXXX when all future disbursements did NOT change. The fact they can get things incorrect and yank up my monthly bill to attempt to fix it ( and shorten time drastically to repay something that it was their fault ) seems very unethical and that they are acting in bad faith. 

This whole thing seems very shady and I would like all the numbers to be verified - people get " impounded accounts '' so it makes it easy to pay property tax/escrow in a simple way ( certain amount monthly ) and here it has gotten very complicated with the amounts constantly changing and disguised over 12 month vs 24 month splits when my expected disbursements have been constant. They do not know how to accurately do an escrow analysis and I have been punished financially for their disturbing behavior. 

I also had another issue where I had an overage in my escrow and it was so difficult to get it back from SPS. They wanted to send it in snail mail until I demanded overnight shipping. Consumer Affairs has this Company rated XXXX with XXXX reviews, unclear how they can still be in business with this level of significant complaints.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

In 2020 I disputed incorrect names and or address that appeared on my credit report with XXXX, XXXX and Equifax while I was in the process of a home purchase. After careful review of my personal information it appears that XXXX has neglected to update my information incorrect addresses Incorrect social security numbers I tried to dispute this with them again recently and they informed me that they could not remove it
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-05-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Albert Corporation (WA)

This complaint is about the banking app, Albert. XXXX XXXX  is, who runs the specific banking app, and like many others, it advertises the ability to take out instant pay advance as part of the many program incentives that it offers for customers to pick it over many others that are just like it like XXXX, XXXX, XXXX, etc. The specific app, though has me complaining because it offered me a {$40.00} advance based off of its systems income detecting algorithms on XX/XX/2023 which I promptly paid back on XX/XX/XXXX, which was early ( another factor that would allow you to get an higher advance according to their marketing ) but instead because I didnt take the instant {$40.00} offer that was available right after I re-paid the original loan, I logged back into the app later that night, and found that I was no longer eligible for any instant advance. One of the other requirements to get these advances is to pay a fee monthly of {$10.00} to what they called XXXX  genius which is supposed to be real people who help you manage your money, but when I look into that I find out that in order to get any time with a real person you will have to pay a fee anywhere from $ XXXX {$60.00} depending on whether you want an hour or half hour of the time. So there again is another hidden charge that they do not tell you ahead of time but instead after you sign up. Back to what Im originally complaining about. I was eligible for {$40.00} based off of the same income that they tell me now I am no longer eligible with us because they know decided they do not detect the income need to take it before I guess? I have attached the income details reported on the app, which I have not changed since they decided I was eligible the first time, and then decided I wasnt the second time. Ive also attached the conversation I had with their customer service or genius people in which they tell me basically that I am XXXX. The CFPB should look into these apps and really take a deep dive into what they say they offer on the XXXX XXXX compared to what they really end up offering when you sign up with them, theyre all the same when they are eligible the next day or not, they get to decide and they have nobody holding them accountable so they get to do whatever the XXXX they want and I am tired of it. They pray on people like me who have trouble getting a real bank account because of whatever reasons and because of that they take advantage and make sure that they get all the money they want before they follow through with any of their promises, which some and most dont ever do.
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (TX)

In 2021, I decided to open a XXXX  XXXX, credit card account with efforts to build my credit. Several months into opening my account, I went to XXXX  XXXX for some gardening supplies, o find that my XXXX  XXXX credit card was not in my wallet. Figuring I left the card at home, I asked the cashier if they were able to pull up my account using my social security number or some other means of identification, and when they did, I was told that I had a balance of over {$1800.00} on the card. Immediately, I asked that they shut the card off as we overlooked the charges at the customer service counter. At this time, I realized that my card had been stolen and used. XXXX XXXX told me I needed to contact Fortiva, 2hich is the 3rd party bank, to remedy this. When I did, Fortiva told me I needed to contact XXXX  XXXX. I worked very hard to have this resolved, and eventually, I was told by Fortiva that there would be an investigation. Recently, I looked at my credit report and realized that this card is Delinquent. When I contacted Fortiva back, they told me they no longer had hold of the account since it was closed and there was nothing they could do. Please help.
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (FL)

On XX/XX/, I disputed credit report inaccuracies with several furnishers. Despite the FCRA, they didn't inform credit bureaus about my disputes. My updated credit reports still show the wrong information, impacting my credit score. 

On XX/XX/, I disputed federal student loan inaccuracies with DEPTEDXXXX, as I'm eligible for CARES Act relief. They wrongly reported late or missed payments, creating financial hardship and preventing me from buying a home.

I request CFPB 's help in investigating these furnishers and XXXX  for non-compliance with the FCRA and CARES Act, and to resolve these credit report issues.DEPTEDXXXX XXXX XXXX - Under 15 US CODE 1681s2 ( F ) Reporting Information During Covid19 Pandemic - Update to paid as agree and remove late payments from payment history. 

DEPTEDXXXX  - XXXX - Under 15 US CODE 1681s2 ( F ) Reporting Information During XXXX Pandemic - Update to paid as agreed, never late. Remove the inaccurate late payment from my report. 

DEPTEDXXXX - XXXX - Under 15 US CODE 1681s2 ( F ) Reporting Information During XXXX  Pandemic - Update to paid as agree and remove late payments from payment history. 

XXXX - XXXX - Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy - Delete this account immediately XXXX - XXXX - Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy- Please Remove This From My Credit Report Immediately XXXX XXXX  - XXXX - Under 15 U.S.C 1681b Permissible Purposes Of Consumer Reports- Please delete this from my credit report immediately XXXX - XXXX - 15 U.S.C. Section 1681i Paragraph XXXX Treatment of Inaccurate or Unverifiable Information. - Please delete immediately XXXX - XXXX - Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy - Delete this account immediately XXXX  - XXXX - Under 15 US CODE 1681s2 - Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies ( a ) Duty Of Furnishers To Provide Accurate Information - Delete this account immediately. 

XXXX XXXX - XXXX - Under 15 US CODE 1681s2 Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies ( A ) Duty Of Furnishers To Provide Accurate Information. Payment Status Is Inaccurate. - Delete this account immediately. 

Incorrect Name - XXXX XXXX  Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect Address - XXXX XXXX  XXXX, XXXX, FL, XXXX
Consumer complaint received 2023-05-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (TN)

Today I received a phone call from from Truist XXXX XXXX department saying that they didnt receive the documents that I signed back on XX/XX/23. I spoke to the notary and also confirmed that the documents were sent back to the notary signing company. Additionally I have received mailings in the mail that show the modification agreement and XXXX mortgage had been recorded. The Rep on the phone refused to contact the department on the phone with me to give them the information that I had. the rep also tried to trap me for saying I refused to sign the documents again when XXXX reminder her that they had been signed and recorded. I advised the rep I would be willing to sign documents after she figured out where they were. I asked the rep to speak to her supervisor and she said it would be XXXX hours before that occurred. XXXX XXXX the rep appeared to not fully understand what was going on.
Consumer complaint received 2023-05-10
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: Bridgecrest Acceptance Corporation (MN)

I received notification from XXXX regarding unauthorized credit inquiries on XX/XX/2023 and XX/XX/2023. On XX/XX/2023, I called XXXX and placed a credit freeze and fraud alert. On XX/XX/2023, I received another notice of an unauthorized financial account opened under my name through BRIDGECREST ( a loan servicing company ). I contacted BRIDGECREST to alert them of the fraudulent account opened under my name and requested a freeze on the account and note the account as fraud. However, BRIDGECREST refused to note/report the account as potential fraud and refused to freeze or close the account. 

BRIDGECREST denied having a fraud department to work with regarding this situation and they were unwilling to look into this issue. I believe they have unethical and deceitful lending practices and are not offering responsible steps for preventing and handling fraudulent practices and fraud claims. Due to their unwillingness to take this matter seriously, it appears BRIDGECREST is making it their business to profit from lending money unlawfully. 

A Police Report has been filed.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (MD)

UAS connect ( student loan company ) reported that I missed 8 payments. I have bit missed any payments. XXXX has this reported incorrectly. XXXX managed to change this status to up to date, but XXXX has not.
Consumer complaint received 2023-05-10
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: BMW Financial Services NA, LLC (FL)

BMW Financial Services, XXXX XXXX XXXX, XXXX Bank, XXXX XXXX XXXX Has reported inaccurate and illegal information to my XXXX credit file. I have never agreed to or given permission to any of these companies to share, report or use my personal information in any form. They have use my information to report inaccurate debt and balances.
Consumer complaint received 2023-05-10
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. (TX)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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.