davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-11
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. (MS)

I initiated an investigation on a disputed on several accounts of which several were 7 years old. The company chose to update it though the account was opened 7 years or older and inthe dusputes the consumer is not given priority in these cases. The companies are. In the event of XXXX, they had a security breach and I can not access my report. A dispute was started on XX/XX/XXXX with Experian. XXXX would not allow me access to my report. I have been denied credit because of this.
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have disputed the late payments on this US DEPT OF ED/XXXX  XXXX account for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ),  a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by 5 p.m. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by 5 p.m. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2024-08-15
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. (KS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (TX)

On XX/XX/2019 I paid {$440.00} to XXXX for XXXX XXXX   Systems for a delinquent account. Per XXXX XXXX the last 4 numbers of the original account is XXXX. I called to ask XXXX XXXX when would they be deleting the account on the 3 bureaus since their website says they will stop reporting and delete the trade line if its paid in full and more than 2 years delinquent. XXXX XXXX said they do not own the account. Please see supporting documents attached.
Consumer complaint received 2018-10-15
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. (TN)

XXXX XXXX calls me at work, on my cell phone several times a Day, several times a week. Ive asked the client service Rep. to stop harrissing me. Im not delinquent on this account. XXXX XXXX has reported to XXXX, Equifax, and XXXX the three credit Bureau the account delinquent because I requested they stop harrassing me. Ive never been delinquent on this account.
Consumer complaint received 2018-10-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: Santander Consumer USA Holdings Inc. (NJ)

I entered into union XXXX XXXX, Wich is located in XXXX XXXX XXXX XXXX nj, applied for a auto loan, I was told that I would need a co sniger to get the loan, I didn't have a co sniger so I left the dealership. 
Five months later I started to receive invoice for payment for a vehicle that I didn't have in my possession, so I tried to sue the car dealership for farud, they had a lawyer and I didn't so my case was dismissed.
Consumer complaint received 2018-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RFNA, LP (TN)

XXXX XXXX calls me at work, on my cell phone several times a Day, several times a week. Ive asked the client service Rep. to stop harrissing me. Im not delinquent on this account. XXXX XXXX has reported to XXXX, XXXX, and XXXX the three credit Bureau the account delinquent because I requested they stop harrassing me. Ive never been delinquent on this account.
Consumer complaint received 2018-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TN)

Auto loan was for XXXX I was in good standing with the loan company for 51 months making monthly payments. 

Account charged off for XXXX which is more than the balance that i owe. 

The company is reporting incorrect terms of 84 months on some credit reports and then 81 months on other credit reports. 

My contract is a 72 month term. The charge off amount should be the amount that i owe on the loan according to the date of the last payment. 

Each month the company is reporting a different past due balance. 

Starting XX/XX/XXXX past due balance reported was XXXX XX/XX/XXXX reported twice to credit agencies a past due balance of XXXX and XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX Company states the last payment was maybe in XX/XX/XXXX Date of XXXX delinquency reported as XX/XX/XXXX Amount charged off is higher than the balance that i owe Amount charged off is higher than what the original loan was for I have disputed and asked for payment ledger without any response
Consumer complaint received 2018-10-14
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. (CA)

I received an alert from XXXX Credit Reporting Agency about a collections on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX for Virginia GAS from what I read on the report. I have not live in Virginia for 5 years while stationed in XXXX, XXXX from XXXX to XXXX and now in XXXX XXXX on XXXX XXXX XXXX XXXX XXXX. I do not have an active account with any services outside California except with XXXX XXXX mortgage for my home in XXXX XXXX which has an active tenant living at this residence name XXXX XXXX. XXXX  and Transunion will not let me report this fraud or activate a freeze without buying a product.
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The credit report on me from Transunion has numerous errors and omissions, 1.I never had an account with XXXX XXXX XXXX , which they list 2.They list an account with XXXX, which I never had 3.My XXXX XXXX accounts are all current 4.They list an account with " XXXX/XXXX  '' which I never had 5. My last employer before I retired was the County of XXXX XXXX, where I worked for 13 years from XX/XX/XXXX-XX/XX/XXXX.
Consumer complaint received 2018-10-14
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. (TX)

here is the problem with you not doing my dispute sence XX/XX/2018  when I dispute you dont notify me with in the 30 days and never have a way to attach the proof and I was subject to your data breach and you said you dont care so I reported you as a terrorest attck on my credit report and I am disputing again though this email with an account you refused to fix 3 times with proof attached to FTC complaints well once again her you go. 
XXXX XXXX XXXX XXXX Hide Details XXXX XX/XX/2018 {$72000.00} XX/XX/2018 {$620.00} PAYS 31-60 DAYS N/A XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, KY-XXXX ( XXXX ) XXXX Account Number : XXXX Status : PAYS 31-60 DAYS Account Owner : Individual Account. High Credit : {$71000.00} Type of Account A mortgage account is real estate loan. : Mortgage Credit Limit : Term Duration : 30 Years Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/2018 Balance : {$72000.00} Date Reported : XX/XX/2018 Amount Past Due : {$620.00} Date of Last Payment : XX/XX/2018 Actual Payment Amount : Scheduled Payment Amount : {$600.00} Date of Last Activity : N/A Date Major Delinquency First Reported : Months Reviewed : 4 Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : USDA Real Estate Mortgage Loan ( US Department of Agriculture ) Date of First Delinquency : XX/XX/2018 Comments : Consumer disputes - reinvestigation in progress Attached receipts show XX/XX/XXXX and XX/XX/2018 payments to XXXX XXXX  XXXX XXXX paid so this is false reporting by XXXX XXXX  so this needs to be removed and you keep telling me to go to XXXX twice with those exact words. well attachments is the proof I need when I take you to court so fix the problems and want all removed permanently per your terms and conditions in your credit reporting information you mailed me about credit reporting Equifax procedures.
Consumer complaint received 2018-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (VA)

Our mortgage was transferred to Santander Bank, N.A. from our original lender two years ago, and for the past two years they have failed to provide us basic documentation with regards to our account. We don't always receive monthly statements and we never received a complete statement outlining the details of the mortgage transfer from our previous lender. We have also repeatedly asked them if we are able to find any of this information via a self-service portal, but they have failed to provide such a service to us. 
Now, we have been fighting with their customer service team for over a month ( since XX/XX/2018 ) just to try to get our XXXX form for taxes which they are legally required to provide to us! It is now XX/XX/XXXX and our accountant can not file our taxes by the XX/XX/XXXX tax deadline due to this missing document! We have spent over 3 hours on the phone with them this morning trying to resolve this issue and they still refuse to provide this document to us in a timely manner. As a mortgage servicer, the XXXX form should be a standard document that they provide all customers. If they can not provide this simple form and other simple documentation to us, then what else are they making errors on?
Consumer complaint received 2018-10-11
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. (TX)

On or about XX/XX/XXXX, I discovered that my credit card has been fraudulently used and taken, so I reported to XXXX  and that I had never used this credit card since XX/XX/XXXX, and the person who used my card was making payments on time. However, the credit card was maxed out to the limit, I found out when i tried to get a loan and was informed that i had my XXXX card maxed out, however with no lates, just that it was a debt ratio ( high ).  XXXX then issued a new card, but I'm still seeing that neither the credit bureaus nor discover seem to do anything about it or remove that from my credit. I do have a police report that I submitted to XXXX  investigation dept, and up to present nothing been done. I just want my credit profile back, please assist
Consumer complaint received 2018-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CO)

I had sent a XXXX electronic payment via XXXX XXXX using the US Bank Phone app to my significant other at her Credit Union on XX/XX/2018. 
After checking for the deposit over several days and it still not showing up XX/XX/XXXX I called US Bank to see why money had not been sent to the specified account even tho funds had been removed from my US Bank account on XX/XX/XXXX. 
US Bank said funds had been sent. 
After calling the credit union to check again funds show no history of transfer. 
Filed a claim with US Bank XX/XX/2018 Over the phone. On XX/XX/XXXX I received a document for signature ; on XX/XX/XXXX, I received a denial of claim from US Bank! After calling the bank and being transferred several times, I was instructed by a bank employee that I must sign the form prior to any investigation on my behalf and the missing {$200.00}.
Consumer complaint received 2018-10-13
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (GA)

I opened a account with XXXX XXXX XXXX on XX/XX/XXXX the car was illegally repossessed in XX/XX/XXXX. Santander charged off the account as a loss. However Santander was still reporting the original balance of the loan even though the car was sold at a auction. I never received a XXXX nor a bill of sale from the auctioning of the car. Santander sold the debt & states that they no longer have credentials to it & for me to contact the collection agency. However there is no listed collection agency for this debt AND Santander is still incorrectly reporting this debt.
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (NY)

I am writing to urgently dispute an error on my TD Bank credit account that incorrectly shows less than 100 % of payments made on time, thereby affecting my credit score. Despite TD Bank 's commitment to resolve this, the issue remains unaddressed. 

I opened my TD Bank credit account on XX/XX/XXXX, with a credit limit of {$500.00}. My most recent statement inaccurately reflects 96 % of payments made on time, when it should read 100 %. This discrepancy centers around the last recorded payment date of XX/XX/XXXX. My account statement confirms an amount past due of {$0.00} for that date, indicating that no payment was actually due and therefore none was missed. 

The origin of this issue was a miscommunication from a TD Bank representative, who incorrectly informed me of a payment issue on my account. Upon my immediate request for clarification, it was verified that no charges were pending and no balance was owed. I was assured that this error would be corrected, but my credit score continues to suffer. 

I respectfully request the CFPB to expedite an investigation to correct this error and restore my credit history to its accurate 100 % on-time payment status. I am willing to provide any additional documentation or information as needed
Consumer complaint received 2018-10-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (WA)

This company keeps calling my house repeatedly all hours of day and night. The one time I was able to speak with someone they would not give me any information. the women said we owe a debit and they are collecting, but my husband and I have lived here for over 30 yrs and we do not have any outstanding debit.

When I questioned them about it, they said it was for my husband and they would call back later. I explained we do not have any outstanding debit and if they want to clear this up they need to speak to me as my husband has no personal finance and I pay all the bills and have for 40 yrs. Now we are getting robo calls day and night with no way to get back to them. This is total harassment and I am sick and tired of it.
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have many incorrect inquiries on my credit report that I have never affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are tied to my name but I have nothing to do with this. 
XXXX XXXX XXXX CARD XX/XX/XXXX {$5300.00} XXXX XX/XX/XXXX {$620.00} XXXX XXXX XXXX XX/XX/XXXX {$24000.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$18000.00} XXXX XXXX XXXX   XXXX XX/XX/XXXX {$20000.00}
Consumer complaint received 2018-10-12
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. (CA)

I have many incorrect inquiries on my credit report that I have never affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are tied to my name but I have nothing to do with this.

XXXX XXXX XXXX   CARDXX/XX/XXXX {$5300.00} XXXXXX/XX/XXXX {$620.00} XXXX XXXX XXXX XX/XX/XXXX {$24000.00} XXXX XXXX XXXX XXXX   XX/XX/XXXX {$18000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$20000.00}
Consumer complaint received 2018-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I first went to my bank and withdrew {$400.00} in cash and went right over to Citibank and deposited it there to my other account. I received two receipts for the deposit, but the money never showed up on my Internet account, nor did it show up in the records of Citibank in the XXXX. I spoke to XXXX at about midnight on the XX/XX/XXXX and she said she did not see a {$400.00} deposit. I spoke to XXXX at approximately XXXX on XX/XX/XXXX in the executive response unit in XXXX XXXX , TX , and he said the money was in my account, but I looked at my internet just before I called him, it was not in my account online. I then called the assistant branch manager XXXX, who was at a different branch in XXXX XXXX, as the branch manager was at a meeting and not in the branch. This afternoon, I went to the branch manager and told him the problem and he basically said I was a liar!!! He did not try to see what went wrong and did not take any responsibility and it didnt even ask my name. 

When cash is deposted it is supposed go into my account and show in my account immediately, but it didnt until approximately XXXX on XX/XX/XXXX. I have never had a bank do this to me. 

I pulled all my money out of my account at Citibank and left the account open, but also canceled my direct deposit, as I do not trust this bank! 

There is something very wrong with XXXX in XXXX, CA
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (MD)

On XX/XX/2018 my account was reported 30 days late when in fact when they are suppose to report late 30 days past due date when it was only 14 days. 

BMWFS services. 

I disputed this account multiple times and they refused to fix my account.
Consumer complaint received 2018-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Hello, I've contacted Bank of America ( BOA ) several times over the last 5 years about removing my PMI. The last time I spoke with a representative it was in XX/XX/XXXX, at which time they said my loan to value was under 78 % in 2 months, at which time according to the Homeowners Protection Act of XX/XX/XXXX, PMI would automatically be removed. I've tried contacting BOA several times thereafter ( and again today, XX/XX/XXXX ) but have always been transferred and representatives say a PMI expert will call me, which they never do. My account has always been in good standing ; not one late payment, ever. Now, several years after the loan to value has been well under 78 %, I'm still being charged $ XXXX/month. BOA has been unlawfully charging this PMI for years, and is doing their best to avoid cancelling this. 

I see that when my refinance was drafted in XX/XX/XXXX, BOA listed my home purchase price at {$150000.00}, which is incorrect and simply a fabrication. I've owned this home since XX/XX/XXXX, at which time it was purchased for {$160000.00}. An appraisal was performed and the value was determined to be {$180000.00} at the time of the refinance in XX/XX/XXXX, which means PMI was not ever required. 

I sincerely appreciate any help you may be able to provide. 
Thanks, XXXX XXXX
Consumer complaint received 2018-10-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

i was supposed to be enrolled in the income based driven repayment plan which was set at XXXX dollars.It was then removed for whatever reason and i called in and spoke with a representative around XXXX or XXXX letting them know that i would be enrolled in school as a full time student, so what process did i need to take to get the in school deferred plan. i was told it would update automatically in the system but if i could inform my school officials to update it immediately that would also help. i spoke to my school officials in XXXX and they also stated it was automatic and it would update my first day of class. since then i have still been receiving loan docs for payments from navient, even though i am in school. i spoke with a representative today ( XX/XX/18 ) his name was XXXX and he said they still could not see anything in their system.This is actually the second time this has happened where i was supposed to have an in school deferred loan and it was not placed by navient. it is destroying my credit because they have it on there showing late and it has been on my credit even when i am supposed to be in deferred status