davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my XXXX XXXX and financial reputation.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX, I've contacted XXXX XXXX Customer Service and Their response is " they have to put in a ticket. Well, it been a week and ill still haven't been able to access my credit report. I'm really concerned about this. Look for an important letter in the mail and it relies heavily on my Equifax person information.
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: Experian Information Solutions Inc. (LA)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2016-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (UT)

All ( XXXX ) Credit Reporting Bureaus are reporting the closed XXXX Account as a Repossession. The fact of the matter is, I paid off the entirety of this loan in advance of the maturity date and I hold the title and lien release to the vehicle. No Repossession ever occurred yet after XXXX CFPB complaints with XXXX and these XXXX complaints - XXXX for each credit reporting bureaus, they can not accurately report the " correct '' status and would rather ruin someone 's credit score than do their " due diligence ''
Consumer complaint received 2017-08-10
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America filed a fraudulent lien during financing of XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX VA XXXX. Double liens were filed, and when alerted about it, Bank of America is not taking any action to correct the lien status
Consumer complaint received 2024-09-03
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. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I HAVE ASKED 3 TIMES FOR AN INCREASE ON MY CAPITAL ONE CREDIT CARD # XXXX. ALL 3 TIMES WAS TOLD NO > DUE TO LOW BALANCE KEPT ON THE CURRENT LIMIT. I BEEN A LOAN OFFICER FOR OVER 22 YEARS. NEVER IN MY LIFE HEARD > SORRY WE CAN NOT INCREASE YOUR LIMIT DUE TO THE BALANCE YOU USE IS TOO LOW. UNDERWRITER APPS > TRUST ME CREDIT CARD USAGE UNDER 20 % IS A GREAT CREDIT FACTOR WE LOOK AT. LOW RISK AND RATIO LOW % ARE A POSITIVE FACTOR. SO WHAT!!!! IF I WANT A CREDIT CARD FOR $ XXXX OR HAVE A CREDIT CARD FOR $ XXXX AND KEEP OR DO NOT KEEP A BALANCE. PAYMENT HISTORY IN MY SINCE HAVING CREDIT 1995 I HAVE MAINTAIN AND PAID AS AGREED ACROSS THE LINE. SO WHAT IF IN WOULD LIKE TO INCREASE MY LIMITS ON ALL MY LINES AND CREDIT CARDS > IT MINE PERSONAL CREDIT HISTORY THAT I WOULD LIKE TO MAINTAIN AND KEEP UP. I USE THE CAPITAL ONE CARD IN XX/XX/XXXX FOR {$2000.00} AND PAID IT OFF IN 60 DAYS, BUT CAPITAL ONE CREDIT CARD NEVER COMPLAINT ABOUT THE {$40.00} FEE PLUS {$50.00} IN INTEREST THEY MADE IN 60 DAYS RIGHT???
Consumer complaint received 2017-02-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

I have been unemployed since XX/XX/XXXX last year. In XX/XX/2016 I because unable to pay the requested amount on my XXXX credit cards I have with USAA. I kept paying them, it was n't much, but I paid them every month till they went into charge off because USAA refused to work with me. When the cards went into charge off, USAA changed my ability to view and operate my bank account. Instead of being able to use the desktop version, USAA will only allow me to use the mobile version. There are a lot of functions I can not use in the mobile version. In other words the account use has been severely impacted. I asked USAA when I would be able to use the computer version and they told me when I pay off both of my credit cards. I paid off XXXX card, but I owe XXXX on the other. That 's going to take a VERY long time beings that I am still unemployed.
Consumer complaint received 2017-08-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY (MA)

I had a IRA CD with TD Bank that was due on XX/XX/XXXX. I submitted the paperwork to have it transferred to another Bank on XX/XX/XXXX
The check was to be made out to the other bank and it should have been made on XX/XX/XXXX the day that the CD was due. We continued to check with the new bank to see if the money had arrived and was told no.
I went to the TD Bank on Tuesday XX/XX/XXXX to verify that everything was all set and the young lady told me that the account had been closed so I assumed that the money was sent. When the other bank had not received the funds by XX/XX/XXXX I went to the TD Bank in XXXX MA again on XX/XX/XXXX and spoke to XXXX XXXX at XXXX. He check the account and told me that the check was sent that day Aug 4th. He said that they had 10 days to process the CD which I understand is not correct. I have ten days to decide what I want to do but the bank needs to process it when they have the directions which was prior to XX/XX/XXXX.
XXXX was to call me on Monday XX/XX/XXXXto give me the check number and tracking number but he did not call. On XX/XX/XXXX I called XXXX and he then told me that the check was sent on XX/XX/XXXX.
I then talked to the Branch Manager XXXX XXXX about this and he got me the check number but no tracking number and he told me that the check was mailed on XX/XX/XXXX.
They also reduced the interest paid from 1.25 % to 0.75 % for the period form XX/XX/XXXX to XX/XX/XXXX
I still do not have the check and do not know why they did not process it onXX/XX/XXXX which is the federal law.
I also think that they did not send the check until MondayXX/XX/XXXX so that they could use my money over the weekend without paying interest.
I do not understand how they can break the federal rules with no impact. They claim that they did not break any rules. I now must wait until the funds arrive in the US mail before I can roll over my IRA.
Bottom line is that TD Bank is not following the banking rules and taking advantage of their customers.
Consumer complaint received 2015-09-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (AL)

I filed a complaint, CFPB XXXX, against Caliber, # XXXX, months ago, received a " satisfactory '' response ( $ XXXX ) from VP Assistant XXXX XXXX on XXXX XXXX. 
I changed insurance companies from XXXX XXXX $ XXXX ) canceled on XXXX XXXX, 2015, engaged XXXX on that same date and was quoted {$2000.00} on XXXX XXXX. They sent Caliber a proof of insurance letter in XXXX XXXX {$2000.00} ) but later they raised the premium ( {$2400.00} ) and I canceled on XX/XX/XXXX, I started XXXX homeowners on in XXXX XXXX ( {$1700.00} ). 
I have sent Caliber {$4900.00} to clear insurance refunds along with my monthly payment XXXX {$850.00} XXXX every month, they misapplied the escrow funds, chaos ensured. 
I have just received a mortgage statement XX/XX/XXXX from Caliber charging me a {$1200.00} monthly payment due XX/XX/XXXX and I had a past due of $ XXXX outstanding principle has increased from {$110000.00} in XXXX to {$120000.00} today. 
I paid Caliber the refunds due them and lowered my cost of insurance from {$3000.00} XXXX XXXX to XXXX XXXX to {$1700.00} and my payments increased. 
My calculations show me paid up-to-date and my escrow at a surplus of about {$600.00}. I have asked for and received no information from them. Can you help?
Consumer complaint received 2024-08-30
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: Experian Information Solutions Inc. (VA)

Dear XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. 
I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to

Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to thi
s matter
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ALLY FINANCIAL INC. (IN)

I had a XXXX XXXX XXXX, XXXX ago broke down, transmission issues. Filed XXXX and its discharge years ago! Ally Bank still shows it on my records, causing me negative adverse affect of too many inquiries, high principal and interest rates please the headaches of deny Credit, as a result am requesting XXXX last XXXX discharged on XX/XX/XXXX XXXX
Consumer complaint received 2016-03-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Revenue Recovery Corporation (TN)

I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated
Consumer complaint received 2024-08-30
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: Experian Information Solutions Inc. (OH)

I Disputed the negative accounts in my report. those are not mine, some of them were re inserted. XXXX, kindly remove these accounts as soon as possible. 

XXXX XXXX account number XXXX date opened XXXX XXXX, XXXXXXXX XXXX XXXX account number XXXX date opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX account number XXXX date opened XX/XX/XXXX XXXX XXXX
Consumer complaint received 2017-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Since XX/XX/XXXX I have been trying to work with following three companies to get account reported correctly to all three credit bureaus ; my pervious attempts have been without success on XX/XX/XXXX sent letters to CEO/President of company looking for resolution because these account are terrible hurting my credit file to my understanding these accounts were removed in their entirety. Upon reviewing my files XX/XX/XXXX I noticed that they are still here overtime I reach out to companies they update reported with more errors as recent as XX/XX/XXXX XXXX XXXX updated file from {$0.00} to {$86.00} then from account closed to open not more than 60 days late then changed it to closed charged off and my score took an XXXX point hit due to this misreporting. Not to mention the account was sent to a collection agency in which I did make a payment for deletion agreement with intent per discussion that all 3 negative entries will be removed ( both XXXX XXXX credit card account and the collection with XXXX, XXXX which has not happen. Same situation with XXXX card occurred. Attached you will find documents sent to support dispute of inaccuracies which they seem to agree with I do my part and information is never correct by company or credit bureaus.
Consumer complaint received 2017-08-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

My original monthly payment was {$870.00} on the loan. Then the raised it to XXXX monthly adding insurance to vehicle but I have full coverage already and they refuse to remove it making it difficult to make the monthly payment. I spoke with them to resolve the issue but they refuse to comply with me in anyway.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN EXPRESS COMPANY (MN)

XXXX XXXX is reporting the last 3 months late. Im actually enrolled in a consolidation program that is making monthly payments to XXXX XXXX so there is no way this account is behind. XXXX XXXX XXXX has a late mark for XX/XX/XXXX. Not only is this over three years old, but I have been in college for the last 5 years and finally graduate next year with my XXXX in XXXX XXXX XXXX. This is incorrect as I have not been required to pay my student loans while still in college. XXXX XXXX XXXX, my Credit Card was stolden in XX/XX/XXXX and I was issured a new credit card. Somehow my credit card doubled in just late fees and became out of control. I tried to work with the company but they would not offer any financial assistance programs to lower my payments as I was willing and wanted to pay but just couldnt as it was made impossible by XXXX XXXX. I then set up XXXX XXXX in the XXXX XXXX XXXX XXXX as requested by XXXX XXXX we made a {$60.00} payment to be considered for this debt program so I could make lower monthly payments. However my XXXX bill reflects the {$60.00} payment, but was immediately turned over to a C/O when I already made arrangments to pay. I was not given any time to make this account right and have the hundreds of dollars in late fees removed so I could actually pay the credit card company the amount I charged. Now over half the bill is just charges, no actually charges were posted to this credit card after my replacement credit card in XX/XX/XXXX. 2nd XXXX XXXX XXXX XXXX, This account is currently enrolled in XXXX XXXX XXXX and has been paid every month on time. There is no late payments as XXXX XXXX agreed to be enrolled in the debt program and get monthly payments like XXXX Credit card. American Express account was closed in XX/XX/XXXX and charged off in a bankruptcy that is over 2 years old.  This doesnt not need to negatively impact my credit score or have any negative comments as this was not a neglected account. I was granted a bankruptcy by a judge which I paid for the bankruptcy so I wouldnt have late payments or a charge off reported. I tried to do the right thing with what I was able to do at the time. I just got this American Express card and my exhusband got ahold of my credit cards and maxed it out. Once I was divorced I filled for thousands of dollards in debt do to my 4 month marriage to a XXXX XXXX that took advantage of my perfect credit. I 'm still paying for that short mistake to this day. XXXX XXXX XXXX-XXXX DOCKET #, there is no benefit to any for this to be displayed on my credit report. It state date paid was XX/XX/XXXX. Please remove this
Consumer complaint received 2015-12-16
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NJ)

TD Bank stacks transactions to their own advantage. Especially when an ACH withdrawal comes in the same day as a direct deposit - they will always charge a {$35.00} fee to pay whatever came in to be paid - even though the funds were available the same day the bill came in to be paid. When XXXX used my acct as a backup source for funding - it overdrew my account - a {$7.00} XXXX charge incurred a {$35.00} fee. Then the {$140.00} in fees from TD Bank cause my acct to be overdrawn which overdrew ANOTHER couple of small transactions ( like {$5.00} and {$16.00} all under {$20.00} transactions which incur a {$35.00} fee each ) - I literally paid more in bank fees in XXXX already than for any of my own purchases. There should be some kind of regulation that an NSF fee can not exceed the amount of the transaction.
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

Equifax continues to report information that is inaccurate and should have been removed per XXXX XXXX debt XXXX and XXXX XXXX Bank. 
Both companies have stated through my CONSUMER Financial Protection bureau complaint they have sent documents to have this removed from the credit companies. All have removed these items except for Equifax. This is affecting my credit score and ability to get certain credit.
Consumer complaint received 2024-08-30
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: Experian Information Solutions Inc. (NY)

I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2016-05-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates of XXXX, VA, has made numerous phone calls to my home attempting to collect a debt from a third party after confirmed receipt of a certified letter from me telling them the party they are attempting to contact does not live at my address, does not have my phone number, and not to contact me any more regarding this matter.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX