davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

By 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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. 

These inaccuracies are affecting my ability to get a house for my family.
Consumer complaint received 2019-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2019 I noticed a fee charged to my account for a XXXX charge of {$48.00}. I was confused because my balance left was {$40.00}, and after charging me. I first spoke to an agent named XXXX who was extremely condescending who explained to me because the card authorization made my available balance negative. I was then transferred to a Manager named XXXX. 

The issue stands here. I was charged an overdraft fee because of a pending authorization which was a mistake by the vendor and has not posted. So I was charged an overdraft fee based on my available balance and then I would be charged another overdraft tomorrow when this authorization posts. 

I spoke with XXXX extensively and he let me know that I would be charged fees based on my available balance availability even if a transaction never posts. Meaning, that if an authorization was a mistake and the vendor never collects Bank of America will leave that fee on my account. I found 5 fees like that in XXXX. I found multiple other fees like that in the past 6 months. Where Bank of America charged me overdraft fees, for authorizations and then when that authorization posts. 

I then went to page 10 of my client disclosure packet. None of these parameters were documented in that packet at all. Nothing about being charged fees based on available balance. It only said balance. Nothing about being charged for an authorized item and then again when that same item posts. There are already {$240.00} in fees including the one for XXXX which will post tomorrow. I calculated another {$700.00} in fees the last 6 months using this abusive tactic. 

I went into a deep dive in managing my account in order to avoid this issue. I would like all my fees reversed. I would like a letter of apology for this abusive behavior. I want my account to go without any banking fees for the next 6 months as a show of good faith, that I will not be taken advantage of again. 

I also want Bank of America to make full disclosure of these fee practices in the client disclosure booklet. Because even when I read it to been, he said it agreed with him. But the booklet makes no distinction between the two balance and available balance. Nor states we can be charged two times for one transaction. 

I was even told I wasn't charged for my transaction, but was charged because of my available balance. This is convoluted and seems like an abusive ploy to get fees.
Consumer complaint received 2015-12-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CA)

I purchased a samsung galaxy phone from a XXXX representative and was told at the time of the purchase that it came with a free tablet and that there was no contract and that I could cancel the device at any time. My phone was stolen and I immediately called and reported it and was told that my service would be cancelled and I would not be billed for anything but the price of the phone and to return the tablet to the nearest XXXX store. The store refused to even let me pay for the phone and said I breeched my contract and that I owed over XXXX dollars for the phone, tablet early termination and other fees. I also could not pay or work out any deal with XXXX because they referred it to a collections agency and told me they no longer were involved at all. All I have received from this is a report on my credit.
Consumer complaint received 2019-06-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

I show three derogatory accounts with the credit bureaus and I'm puzzled as in how this would occur. I have been XXXX  for 10 years, which would be 2009. It is impossible for me to have done this. This is not at all fair to me and needs to be removed indefinitely
Consumer complaint received 2023-04-28
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: Experian Information Solutions Inc. (MI)

Not investigating disputes properly believe a credit repair co was using my information to establish false identities to retrieve fraudulent goods with my information now this company has not been following the law following my disputes
Consumer complaint received 2019-05-07
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I HAVE FILED A PREVIOUS COMPLAINT AND I DID GET A RESPONSE BACK FROM THEM HOWEVER THEY ARE BEING EXTREMELY BIAS IN THE RESPONSE INDICATING THAT WE MUST START THE APPROVAL PROCESS OVER AGAIN WHERE THERE MAY BE A CHANCE WE WONT GET APPROVED FOR SOMETHING THAT WAS NOT OUR FAULT, THEY FAILED TO SEND THE ACTUAL CONTRACT WITH THE APPROVAL LETTER AND AND IVE MADE EVERY POSSIBLE ATTEMPT TO CONTACT THEM AND GET SOMEONE TO LISTEN TO ME. WHILE THEY CAN NOT PROVIDE ANY PROOF THAT THEY DID IN FACT SEND THE CONTRACT, THEY DO NOT BELIEVE I MADE ANY ATTEMPTS TO CONTACT THEM OR SEND THEM THE LETTERS STATING THEY HAVE NO RECORD OF THEM, I DID NOT SEND THEM REGISTERED MAIL BUT NEITHER DID THEY AND YET THEY ARE CHOOSING TO NOT BELIEVE ME BUT EXPECT ME TO BELIEVE THAT THEM, THIS BIAS ATTITUDE LEADS ME TO BELIEVE I HAVE NO CHANCE AT ANOTHER REPAYMENT PLAN AND FEEL LIKE THEY ARE DISCRIMINATING AGAINST ME. THEIR COMPANY HAS BEEN CHARGED WITH EXTENSIVE VIOLATIONS AND HAVE PAID MILLIONS IN FEES DUE TO THEIR ILLEGAL ACTIONS AND YET THEY ARE INSINUATING THAT I HAVENT DONE WHAT I SAID I HAVE DONE, THE ADMINISTRATIVE OFFICE WAS RESPECTFUL ENOUGH TO SEND CORRESPONDANCE REGISTERED BUT THIS OFFICE CONTINUES TO SEND MAIL UNTRACKED, LEAVING NO RECORD OF HAVING SENT ANYTHING AT ALL.i NEED TO DETERMINE THE DISCRIMINATORY NATURE OF THEIR ACTIONS AND INTEND ON FILING CHARGES WITH THAT AGENCY IF THEY DO NOT STOP ACTING IN THIS BIAS MANNER AND CHOOSING TO BELIEVE WHAT ONLY BENEFITS THEM WITH NO PROOF TO BACKUP ANYTHING THEY ARE SAYING.
Consumer complaint received 2015-08-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (AZ)

Under HARP, I had negotiated a refinance with Flagstar Bank and received an email saying I was " Approved '' with a " Commitment Letter '' as attachments to the email in 2010. I also received a letter through the US Mail saying Flagstar Bank was " committed '' to helping me keep my home. However, before any payments could be made at the lower interest rate I received a phone call from Flagstar Bank saying the refi loan was not approved. 
I had never been behind on my payments and was not asking for a principal reduction, just simple refinnance to lower interest rate. After continuing to press the bank for two more years to lower the interest rate and live up to their agreement, I was finally forced into giving up the home. Had the payments been lowered with the refinance, it would have lowered the monthly payment by over {$200.00} per month, making it an affordable $ XXXX. 
Flagstar Bank has paid millions of dollars in fines for treating people like me in the manner i described and forcing them into foreclosure. I feel that I am due and eligible for damages from the monies they have paid for their actions.
Consumer complaint received 2019-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX XXXX had posted 3 collection accounts on all 3 of the credit reporting companies - XXXX XXXX, XXXX & Equifax. one for {$30.00}, one for {$100.00} and one for {$70.00}. These accounts were paid to the collection agency and I have in my possession a letter from the XXXX XXXX XXXX dated XX/XX/2019 that all 3 of these have been paid and satisfied. XXXX XXXX acct # XXXX. I have requested to all 3 credit agencies by letter and by multiple phone calls to have these removed from my credit file.

To date of this complaint, XXXX XXXX & XXXX have deleted these from my credit file. Equifax is REFUSING to remove them and inform me that they will remain for 7 years even after being satisfied. I spoke to XXXX XXXX XXXX and they informed me that they electronically submitted the information on XX/XX/2019, that the accounts have been satisfied and can be removed. I have spoke to several people at equifax and none of them informed me until today that these can not be removed which is innacurate as the other 2 reporting agencies have done it. they also refused to give me a supervisor to speak to. These agencies have way to much power over our lives. 

PLEASE HELP ME!
Consumer complaint received 2019-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

XXXX Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX XXXX XXXX XXXX reported a late payment regarding my account. 

I am requesting that this late payment be assessed for accuracy. 

I believe this reporting is incorrect because I was attending XXXX College XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX .I have included the documentation to prove that I was enrolled Full Time during this time that my loans were reported as delinquent and should have been applied as In-School Deferment. 

My credit report stated a delinquency in XX/XX/XXXX from XXXX. I am currently with XXXX XXXX due to a recent loan consolidation, and deeply ap [ appreciate the time and service you previously provided. 

Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. 
Thank you.
Consumer complaint received 2015-06-28
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (PA)

Paypal issued me a credit card for which I did not apply and began charging late fees even after the initial charges were paid. I did not request the credit card and they continue to charge late fees on an " outstanding balance '' that consists of monthly late fees, not purchases.
Consumer complaint received 2015-12-04
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: AMERICAN FINANCING CORPORATION (CO)

My ex-landlord, XXXX is also an ex work peer and she is refusing to respond to a request for a VOR so that I can close on my mortgage. In spite of the fact that I never paid her late, she has threatened to report negatively and is purposely delaying completion of the VOR due to the fact that I refused to allow her to break our 6 month lease. She requested many times to break the lease and tried to intimidate, threaten and bully me over my refusal to break it. She is now jeopardizing the successful close of my transaction and my earnest money, appraisal fees, hoa condo doc fees, inspection fees, I have had to move my things into storage and find temporary housing all due to my refusal to let her break the 6 month lease because her boyfriend was constantly breaking up with her. I have proof that I paid her on time every month any time from the XXXX through the XXXX and she is also accusing me of never having paid on time. I need immediate assistance and am also having to retain an attorney now which is an additional expense. It is my understanding that in all real estate dealings, she should be operating in good faith as I have and can not threaten, harass, intimidate or retaliate against a tenant in any manner. On XXXX XXXX, my move out date, she also sent her fiancee to the rental to try to intimidate me. I have text messages from her that confirm my claims and apparently her previous tenant, XXXX XXXX was subjected to the same behavior. The lease was only from XXXX XXXX through XXXX XXXX and she asked me to move out no less than 4 times and I can prove at least XXXX of those times through texts and that I did actually attempt to accommodate her demand although I was not required to. The XXXX demand was on XXXX XXXX ; just over a month into the lease. She is definitely vindictively retaliating against me for not moving out per her demands. She had no cause to remove me and has never posted an eviction or claimed in writing or otherwise that she did not get her rent or I assure you, as desperate as she was to move back in, she would have filed an eviction notice. I desperately need assistance and I need to to provide an honest, accurate rental verification so that I can close. Thank you for your assistance. Please contact me at XXXX or XXXXXXXXXXXX or XXXXXXXXXXXX. XXXX XXXX is employed at American Financing LLC and her phone number is XXXX, work phone is XXXX. 
Please provide a portal access, fax or email address so that I can provide proof. Thank you. 
Thank you for your assistance. XXXX XXXX XXXX
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I was never late. My family and i thinks its odd that Ive never held a balance at this company and also having auto pay that This company found a way to add negative marks on my credit for not paying on time. This is incorrect and has forced me to not qualify for a home the last 2 years. 


Account info Account name XXXXXXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX XXXX XXXX  account. {$1.00}, 036 past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1000.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX XXXX XXXX
Consumer complaint received 2019-05-07
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. (FL)

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/1976 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2016-09-13
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Flagstar Bank, N.A. (FL)

I was presented a Letter of Ineligibility from Flagstar Bank on XXXX/XXXX/XXXX for an appraisal completed on a residential property on XXXX/XXXX/XXXX. I was never given an opportunity to rebut the findings of their conclusions and now I 've been blacklisted from doing appraisals for Flagstar Bank. Keep in mind, I have completed XXXX appraisal assignments prior to XXXX/XXXX/XXXX and XXXX assignments post XXXX/XXXX/XXXX for Flagstar Bank which equates to a better than 99 % success rate. I submitted an XXXX page rebuttal to XXXX ( the XXXX XXXX XXXX ) when I was made aware of a Field Review completed on the property in question. Flagstar may or may not be in possession of the rebuttal. I mailed an entire package ( including the rebuttal ) via Certified Mail on XXXX/XXXX/XXXX and the parcel remains at the Post Office to this day. The package was never picked up. This blacklisting has caused extreme losses of revenue. A number of my clients will not engage me on appraisal orders ( even with other banks ) due to the blacklisting which has been unjustly been placed on my license. I 'm filing this complaint as I feel I 've been wrongly persecuted and it has had a domino effect on my business. I 'm requesting the services of CFPB so that a just and fair resolution to this matter can be achieved.
Consumer complaint received 2019-05-07
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: BANK OF THE WEST (CA)

On XX/XX/2018, I did an Wire transfer from the US to XXXX. 
The transfer was for XXXX $ and I bought EUR at the bank. 

The problem and I realize it afterwards is that the Excahnge rate offered by the Bank ( Bank of the West ) was far away for the spot FxRate ( 1.20 vs 1.16 ). 

The bank was not able to to explain me such a gap ( 0.04 cts ) that represents XXXX USD in the total transaction. 

I have contacted several times the bank to obtain not even a reimbursement but at least some explanations on this discrepancy and they were not able to explain me.
Consumer complaint received 2019-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

Ditech XXXX XXXX XXXX  mailed notice of escrow shortage on XX/XX/2019. The notice was received on the XX/XX/2019. On XX/XX/2019 contact was made with Ditech and a request for the due date was questioned. The letter fail to inform the due date of the shortage prior to automatically adding the shortage payments of {$40.00} to my monthly payment. The letter stated that the monthly payment will also be changed and the date for this falls on XX/XX/2019. How can this be possible? Ditech did not included a final due date on their letter of intent and forces a monopoly control on the mortgagor ( s ). This action to increase and force a higher payment is wrong and does not comply with the Statues of Limitations Enactment Laws. I have requested for full review of Escrow from the date of our account and property assessments from XXXX County Tax Assessor. ( Please request these for me ) I have requested the contract and yet to received my request. ( Please ask for them ) I understand that taxes increase, but Ditech must not increase without notice of a due date payment. 
Please help.
Consumer complaint received 2019-05-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NM)

On XX/XX/XXXX my account was for XXXX where my normal payment is XXXX. I didn't remember seeing this change in a statement for my XXXX payment and since it is on auto-draft. However on my statement for XXXX due be due XX/XX/XXXX it shows the same amount to be drafted with {$650.00} due for principle and interest. My contract for this loan says that my principle and interest payment is to be {$620.00} according to a loan modification completed in XXXX of XXXX. This is a difference of almost {$33.00}. I spoke with the company on XX/XX/XXXX about this issue and they were going to be fixing it and applying the difference to principle. However during the conversation with two different employees the both mentioned my loan being an ARM which this loan is not supposed to be an ARM but a 25 year fixed rate VA mortgage. 

My statement also says that my interest rate is until XXXX of XXXX.
Consumer complaint received 2019-05-07
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. (CO)

Equifax and XXXX  are reporting incorrectly that I am 90-120 days past due on XXXX  XXXX - partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.