davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

This complaint pertains to Having too many Names, Addresses and emails on my Accounts. I need this to be a Blanket Compliant across all three credit agencies. XXXX, XXXX and TransUnion. I have One full name, One Mailable address and one Email. I see several on my Report. Per 15 USC 41 And 15 USC 1696 also USC 1681b. I being the Creditor of my accounts in Real, living and Private compacity expect deligency when its coming to holding private transactions with My Securities with a Provider of my choice. They should not share my private transactions with A credit agencies of any kind. I opt out off all reporting of late payments, Credit card transactions reporting of my private transactions. Per the truth and lending act It's against the law and they are performing Securities Fraud as we speak. I want compensation for this violation for loss of Time and Opportunities per What's on my Credit report without permissible Purposes. By law it's {$5000.00} or 1 year in jail for Knowingly violating these policy 's. I need remedy fast. My score has dropped tremendously. I need All inaccuracies Removed immediately and All accounts showing paid in full. This is my third attempt and will need remedy. The Government has already paid our debts credits. It's fraud to charge me or take my certificate of indebtedness in a debt system. I have unlimited credit in every transaction per The government. Knowing that I credited the accounts I created and can not be in debt when I created the value.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

This complaint pertains to Having too many Names, Addresses and emails on my Accounts. I need this to be a Blanket Compliant across all three credit agencies. Equifax, XXXX and XXXX. I have XXXX full name, XXXX Mailable address and XXXX Email. I see several on my Report. Per 15 USC 41 And 15 USC 1696 also USC 1681b. I being the Creditor of my accounts in Real, living and Private compacity expect deligency when its coming to holding private transactions with My Securities with a Provider of my choice. They should not share my private transactions with A credit agencies of any kind. I opt out off all reporting of late payments, Credit card transactions reporting of my private transactions. Per the truth and lending act It's against the law and they are performing Securities Fraud as we speak. I want compensation for this violation for loss of Time and Opportunities per What's on my Credit report without permissible Purposes. By law it's {$5000.00} or 1 year in jail for Knowingly violating these policy 's. I need remedy fast. My score has dropped tremendously. I need All inaccuracies Removed immediately and All accounts showing paid in full. This is my third attempt and will need remedy. The Government has already paid our debts credits. It's fraud to charge me or take my certificate of indebtedness in a debt system. I have unlimited credit in every transaction per The government. Knowing that I credited the accounts I created and can not be in debt when I created the value.
Consumer complaint received 2024-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC (CA)

I am XXXX and a half months ahead of schedule on my mortgage payments ; however, Loan Depot keeps losing the payments and is not applying them to my account. I have made multiple extra payments in addition to the regular mortgage payment just so they will stop charging me late fees. However, Loan Depot is still failing to apply the payments to my account. This has been happening for nearly a year at this point. I have spoken with Loan Depot over the phone multiple times, and the representative said they do not show the payments have been received. I have sent them a copy of our bank statement showing the payments were made and were debited from my checking account. Loan Depot has reported late payments to credit reporting agencies even though we are not late. Loan Depot is now sending us information on how to avoid foreclosure.
Consumer complaint received 2023-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

I bought a home using Freedom Mortgage for my loan. A year into the loan Freedom Mortgage sent my a check for {$1800.00} saying it was an overpayment reimbursement and that I was being overcharged by {$500.00} a month. After receiving this letter, I contacted Freedom Mortgage and told the there was no way my mortgage should be {$500.00} less and they must have made a mistake. They told me my account had been reviewed and the letter ws correct and my mortgage would be dropping {$500.00} a month and to cash the check they sent me. Several days later I called them again and told them they made a mistake and that my mortgage shouldn't be that low. Again, I was told my account had been reviewed and that my mortgage payment would be lowered and to cash the check they gave me. I cashed the check a month later and bought a new truck thinking I would have additional money with my mortgage payment being lowered. A month later Freedom Mortgage contacted me and said they had made a huge mistake and that my previous payment amount was the correct amount and that I had to pay them {$2000.00} ( from the {$1800.00} check they gave me ) to make my escrow account what it needed to be to pay taxes and insurance. Since then my account has gone up and down $ XXXX {$50.00} every two months. Last month I received a call from my insurance company stating the Freedom Mortgage hadn't paid the and that my policy would lapse if I didn't pay it. I contacted Freedom Mortgage to ask why my insurance policy hadn't been paid from my escrow account. Initially they tried telling me they had never paid my insurance but after proving to them they had been for the past three years I was told Freedom Mortgage would no longer be paying my home insurance through my escrow account and I would have to pay for it myself. The rep told me this was a new policy and no one would explain why Freedom Mortgage was stopping insurance payments. I then asked them what my mortgage payment would be since they weren't paying the policy anymore. Freedom Mortgage then told me my payment would remain the same and wouldn't be lowered to compensate for the nonpayment of insurance. I asked them to review my loan because it wasn't possible for them to stop insurance payments but keep my payment the same. I was told it would be 3-5 days before I received the review. Two weeks later they have not reviewed my policy. I was told by XXXX XXXX they were aware of what Freedom Mortgage was doing and that it was immoral, unethical and illegal. I would like Freedom Mortage to explain why they are refusing to pay my home insurance policy, why my payment isn't being lowered and where the additional funds in my escrow account have gone since they are paying app. {$1500.00} less a year from my home insurance policy. 

Thank you
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX THE FOLOWING ACCOUNTS HAVE SEVERAL ERRORS AND ARE NOT IN XXXX COMPLIANCE UNDER XXXX TERMS DUARTION THERE IS MISSING INFORMATION. XXXX COMPLIANCE CONDITION IS QUESTIONABLE. PLEASE DELETE THE FOLLOWING INACCURATE ACCOUNTS : XXXX XXXX XXXX ( Terms Frequency ) XXXX XXXX XXXX ( Terms Frequency ) xxxxxx XXXX NATIONAL CREDIT ADJUSTERS XXXX XXXX XXXX XXXX XXXX XXXX SUNRISE XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I am writing to file a formal complaint regarding PenFed Credit Unions handling of my balance transfers and payment allocation. I believe the practices they have employed are unfair and have resulted in unnecessary and unexpected financial penalties. 

In XXXX, I initiated a balance transfer with PenFed, which was set to expire on XX/XX/XXXX. Shortly afterward, I initiated a second balance transfer, with an expiration date of XX/XX/year>. I have been making consistent payments on my account, including additional payments that exceeded the minimum requirements, with the clear intention of paying off the balance transfer that was due to expire first, by the XX/XX/XXXX deadline. 

However, I have now been informed that PenFed has allocated my payments across both balance transfers, instead of applying them to the first balance transfer, which was my primary goal. I have not made any purchases on the accountmy only activity has been related to these balance transfers. Despite my payments, the first balance transfer expired, and PenFed has now applied an 18 % interest rate to the remaining balance. 

When I contacted PenFeds customer service for assistance, I was told that there is no option to allocate my payments to a specific balance transfer, which I find deeply concerning and unfair. My intention was to avoid accruing interest charges by paying off the first balance transfer before its expiration, yet PenFeds payment allocation system has essentially prevented me from doing so, despite my timely payments.

I feel that PenFeds actions have boxed me in as a consumer, limiting my ability to manage my finances effectively. I believe it is unreasonable for them to allow multiple balance transfers with different expiration dates but offer no way to direct payments toward the most urgent balance. In secured products like mortgages, consumers have the option to allocate payments towards principal balances, but this flexibility appears to be absent in revolving credit accounts, which has led to these unwarranted finance charges. 

I have already reached out to PenFed, requesting that they waive the accrued finance charges or allow me to make an additional payment to cover the difference and avoid further charges. However, they have refused to provide any assistance or solutions, leaving me without recourse.

I am seeking the CFPBs assistance in holding PenFed accountable for this unfair practice and requesting a review of the payment allocation policies that led to this situation. I ask that PenFed be required to waive the accrued interest charges and allow me to allocate my payments as intended, as well as review their payment allocation system to prevent this from happening to other consumers in the future. 

Thank you for your attention to this matter. I look forward to your guidance and any resolution you can provide.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

On XXXX  XX/XX/XXXX, I made an {$310.00} transaction through the company PayPal goods and service. l bought a merchant from an international seller and it was sent through USPS but this package never arrived to me and the signed signature and address is also not mine, but I don't have a security camera to proof that it wasn't delivered to me and the seller neither bought an insurance or asked me if I needed a insurance for the package so USPS would not let me file a claim. I disputed a case on PayPal and provided all the details to PayPal but they denied and closed my case only because the seller provided a delivery number.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

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 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (FL)

Around mid XXXX 
( Please refer to previous complaints for time and dates. ) I was denied my right as a hard working small business owner, scraping by in one of the world 's worst financial crisis in history, my right as an XXXX to pay my credit card bill by the XXXX, XXXX XXXX, of the XXXX XXXX XXXX XXXX. 
XXXX XXXX. 
branch of the wells fargo bank. 
I have tried over and over again to resolve this and all I get are frivolous phone calls from puppet employees who consistently apologize for an incident they deny ever happening. If they weren't wrong why do I get a litany of apologies from corporate then? I'm told they will take the matter up with higher ups and I never receive another phone call call with any kind of resolution. I'm being gaslighted into thinking they are helping me and nothing is actually getting done about the problem. Problem being systemic difficulties with leadership at this particular branch and many others for that matter. I'm feel I'm being targeted and discriminated against becuase of the many complaints iv filed with XXXX and simply becuase I'm poor and don't have the resources to fight back. Institutions like this prey on the poor and get away with treating us like mideveil serfs working the banks land. They know we are poor. They know we are so busy just trying to keep our basic needs met that we can't fight them. I will never stop fighting tyranny in the land of the free! I will not simply bow down and let these evil corporate systems walk all over me.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

On XXXX XX/XX/2024 Experian reduced by score by XXXX points ; which I was unaware. This was due to the fact that the other two companies still had my score in the XXXX range. On XXXX XX/XX/2024, I opened a dispute with Experian concerning the fact that a credit card I have had for over 26 years no longer was showing on my credit report. I called around the same time and talked with one of their associates. He stated it was due to my bank. I opened a secure message with my bank ( realizing that the other two credit reporting agencies still show my credit card correctly ) to discuss what Experian stated. They could not determine why it was not properly showing. I opened another dispute on XXXX XXXX. For this one Experian agreed that I had an account but listed it as other not as a credit card ( revolving credit ) and with no payments- ever. I opened a third dispute on XXXX XXXX with no movement. The response : " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. ''
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: 1st Franklin Financial Corporation (GA)

A Fair Credit Detailing Act ( FCRA ) violation refers to a violation of the government rule that governs the collection, distribution, and use of consumer credit information. You are expected to ensure that the information on my credit reports is 100 % accurate. I am entitled to compensation for this FCRA infringement because I have suffered injury as a result of it. Ideally, this compensation would take the form of DELETIONS ; if not, I will have to convey it to my legal counsel. I demand that these accounts be removed right away because they are not entirely accurate, as stated in my letter.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (LA)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (NY)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-08-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (IN)

Received {$500.00} Vanilla Gift card. Card number had been stolen/scammed. Called and opened a dispute case XXXX XXXX,2024. Called Vanilla XXXX XXXX2024 to check on dispute and realized that I had never received the dispute case packet to sign and return. They sent a new one which I returned via email on XXXX XXXX2024. Called again end of XXXX to check status and they informed me it had been denied XXXXXXXX XXXX,2024. Told me I should have received an email but I never did. Told me to email them to try to continue the dispute which I did XXXX XXXX2024 but never got a reply. called them again today only to get the runaround again.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I disagree with the account listed below which still appears on my credit report, even after Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX Account Number XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-08-12
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (MA)

I was given a Vanilla Gift Card ( XXXX ) with a balance of {$250.00}. I made XXXX transactions, XXXX at XXXX and another at my local XXXX dealer. On the second transaction ( XXXX ) the card was declined and put on-hold. I have receipts for both of these transactions, they are not fraudulent or wrong, and have offered to supply them. 

I contacted Vanilla consumer service, who said they would look into it only if I provided personal information, they are asking for birth date, government ID photos, physical address ( this is a virtual card ), and legal name. I did not have to supply these when I received this card ( as a gift from my employer ), and do not want to share this information with this third party. 

Their system failed to recognize valid charges ( XXXX and XXXX ) and put my gift on hold. They are requiring personal information that I would not like to share.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I looked at my credit report, which is my personal name and I see That Equifax is reporting an accurate information. Equifax did not tell me XXXX times under the American federal law that they was putting this on my personal name which is my credit report I never authorize. None of these inquiries on my credit report I will like them delete it immediately off of my personal name. Its {$1000.00} per violation and I will take legal action.
Consumer complaint received 2024-08-10
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (ID)

On XX/XX/scrub> 2024 a fraudulent transaction happened on my XXXX XXXX account. The company responsible for the fraud is XXXX XXXX XXXX. I've never done business with this company. I've never even heard of it until this fraudulent transaction took my savings account money from me. There was no authorization to do this. I've never allowed anyone to log into my account. I have 2-step verification enabled so they should never even have been able to log in to steal my money. I wish to have my money refunded and to press charges to the maximum extent of the law. I am refiling this complaint because I got no help so I filed a report with the FTC and they said to file it here as well.