davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-04-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (VA)

On XX/XX/23, U.S. Bank XXXX XXXX, XXXX XXXX ( NMLS # XXXX ) and I agreed on a suitable loan rate for a purchase for a new construction home at XXXX XXXX located at XXXX at XXXX XXXX in XXXX, CA. As it was a Saturday, XXXX XXXX indicated that she would have to lock in the rate on Monday, XX/XX/23 but would honor the agreed upon rate if rates increased and if they went lower, she would honor the lower rate. She subsequently requested the necessary documentation which included my Driver 's License. On XX/XX/23, I received an email from XXXX XXXX stating the rate had been locked. On XX/XX/23, XXXX XXXX sent me a Disclosure document for signature when I discovered the rate was incorrect and higher. For a week after that, XXXX XXXX ignored all requests I made to revise the loan rate. Throughout the process, I attempted to contact XXXX XXXX multiple times, engaging my realtor, Builder 's Reps, and XXXX XXXX 's assistant. On XX/XX/23, XXXX XXXX, after being reported, indicated that she'd make the revision. She did not and I reached out to a builder 's rep again who reported the behavior to a supervisor. On XX/XX/23, without apology or explanation, I received the revised document. Because of how uncomfortable XXXX XXXX 's behavior made me, I decided to terminate the contract and request an earnest money refund. Upon emailing a letter to that effect, a day later, I received a call from a builder 's rep that XXXX 's XXXX of XXXX and XXXX refused to return the earnest money. Without speaking to me, the customer, she relied upon a timeline of contact provided by XXXX XXXX even though I previously provided XXXX as well. XXXX XXXX neglected to include that she had locked me in to the wrong rate and that it remained that way for a total of 9 days until she was reported to a supervisor. None of the contingencies have been removed ( appraisal not reviewed/signed by me, received no inspection, and loan approval is conditional ) and yet, I'm still being denied my earnest money. I also indicated to XXXX XXXX that I felt XXXX XXXX 's behavior was discriminatory due to the fact that the incorrect loan was applied and her refusal to correct it after I submitted my identifying documentation to her. Reflecting on this brought me to a point where I was too uncomfortable to continue with the transaction. To my knowledge, U.S. Bank was never made aware of XXXX XXXX 's behavior. As my claim of XXXX XXXX 's unresponsiveness was questioned by XXXX XXXX, I provided screenshots showing my requests adding there was also a phone call made by my realtor to a builder 's rep urging XXXX XXXX to call me as well as text messages between my realtor, a builder 's rep, and myself regarding the situation.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (TX)

My credit reports are showing 11 recently opened and closed student loan accounts through MOHELA. I last consolidated my loans in XX/XX/year>, and there should not have been any new accounts opened or closed in my name. As a result of the new accounts, my credit score with the bureaus has taken a sizeable hit.
Consumer complaint received 2023-04-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affiliated Collection Services, LLC (NJ)

Dear Madam/Sir, CFPB : This important matter is in regards to a letter dated XXXX, XXXX XXXX, from a debt collector company. They Want me to pay the amount of : {$40.00}. I asked them on a telephone conversation on : XX/XX/2023 when I spoke with a Lady that refused to give me her name. I Wanted to Dispute the debt because I wanted them to send me the name and address of the original creditor and/or Hospital. However when I Checked my records I told the unknown Lady from the debt collection company that my Insurance company, MEDICARE had paid the amount of the debt and that I did not owe anything to the debt collector and/or the original creditor and/or Hospital. I respectfully request from the debt collector not to, HARRAS ME OR THRETEN ME ANY MORE. And not to call me any more, and NOT TO CONTACT ME NO MORE. If they have any more questions they can contact my LAWYERS. Thank you very much for your assistance in this important matter. Respectfully yours. XXXX.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CONTRACT CALLERS, I XXXX XXXX Credit report transunion credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

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. 

XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Dept Of EdXXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXXXXXX 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.
Consumer complaint received 2023-09-18
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: Freedom Mortgage Company (IL)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. FREEDOM MORTGAGE CORP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-10-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Yield Solutions Group, LLC (PA)

Today, I have received a rejection letter from XXXX XXXX XXXX XXXX, stating that I was denied a loan for the amount of {$26000.00}. As I was told by XXXX, XXXX of the prerequisites was to have a minimum score of XXXX. I did my research on RefiJet before I even gave them my consent to verify my information using my XXXX and XXXX credit reports. I feel like I've been bamboozled. With the rejection letter, XXXX XXXX XXXX XXXX did not use XXXX nor XXXX, only XXXX. I have the documentation to prove my claim. Just for the record, all information is recorded, as I was told countless times by RefiJet agents. Again, the only thing I needed was a XXXX XXXX XXXX. XXXX assured me that my application will go through without a problem. It was until XXXX and other agents got involved and ruined the entire application process. This evening, I connected with a RefiJet agent named XXXX, who was not sympathetic nor did she address any of my concerns regarding my application. I was not pleased with any response that was given. I explicitly stated on call that I will be contacting the CFPB about RefiJet misusing my information to unknown sources without my knowledge/permission. I have unfreezed both my XXXX and XXXX credit reports because of what XXXX and XXXX asked me to do. I was transparent about my goal as a consumer and they were retrieving all the pertinent information that I've provided them in the chat through a third party software that is often used by them. I want to stress this... I did not give RefiJet consent to use my XXXX credit report and share it to third party lenders. It wasn't until today that I received the rejection letter stating that XXXX nor XXXX was used on the application. I'm wondering if those reviews about RefiJet are legitimate. But that is besides the point. I am opening a claim for CFPB to investigate RefiJet and their unethical business practices. I will also dispute this hard inquiry with XXXX. I did not give them my permission to use XXXX for the hard inquiry, only XXXX and XXXX.
Consumer complaint received 2023-09-18
Product: Credit reporting 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. (NV)

I am submitting this complaint once more as a follow up as let me repeat that the Experian Credit Bureau still has not removed two remaining inquiries from my credit file, and XXXX has yet to address these three fraudulent inquiries, as they haven't removed any inquiries at all. So, I am humbly following up my request once again to the Consumer Financial Protection Bureau ( CFPB ) to ensure that both Experian and XXXX Credit Bureaus promptly remove these lingering fraudulent inquiries from my credit file : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-18
Product: Credit reporting 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: Fidelity National Information Services, Inc. (FNIS) (CA)

They put a restriction on my free account to prevent me from submitting online disputes after I had filled my very first Dispute. 

" Technical issue '' is the reason they used to denied the submission.
Consumer complaint received 2023-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I did an XXXXXXXX XXXXXXXX transaction to pay for goods in the amount of {$84.00} on XXXX XX/XX/2023. I was surprisingly charged a XXXX XXXX fee of {$10.00}. I told agent payment was for goods and services and requested {$10.00} fee reversed. They declined to reverse the charge. I even paid off the XXXX transaction fee of XXXX right away as I seen the posting, and they declined to reverse the {$10.00} fee. For consumer protection, XXXX XXXX  charge should be prompted before consumers use that cards to make payment if they are not using their PIN to withdraw cash. Clearly, the money did not come to me, so why am I being charged a XXXX XXXX XXXXee?
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX  XXXX XXXX Account Number : XXXX Delete for Violation
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing to dispute the following hard inquiries on my credit report : XXXXXXXX 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 I did not authorize these inquiries and I have no business relationship with these creditors. These inquiries have negatively affected my credit score and I request that they be removed from my credit report immediately. 

According to the Fair Credit Reporting Act, you have 30 days to investigate and respond to my dispute. If you can not verify that these inquiries were authorized by me, you must delete them from my credit report. Please send me a written confirmation of your actions and an updated copy of my credit report. 

Thank you for your cooperation and prompt attention to this matter.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to dispute the following hard inquiries on my credit report : 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 XXXX XXXX I did not authorize these inquiries and I have no business relationship with these creditors. These inquiries have negatively affected my credit score and I request that they be removed from my credit report immediately.

According to the Fair Credit Reporting Act, you have 30 days to investigate and respond to my dispute. If you can not verify that these inquiries were authorized by me, you must delete them from my credit report. Please send me a written confirmation of your actions and an updated copy of my credit report. 

Thank you for your cooperation and prompt attention to this matter.
Consumer complaint received 2023-04-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (WA)

I have an Ally High Yield Savings Account in addition to two checking accounts. Ally as you know is an online only bank and does not have physical branches. I am in the process of buying a house so have consolidated cash in an Ally account for my down payment. There is about XXXX in this account. Ally has not been able to provide me with access to this account for over 48 hours. As such I can not access statements, balances or make transactions. As a result of this I can not provide my mortgage provider with proof of funds to close. I have spoken with 5-6 Ally agents and none of them have been willing to fix me. Given that Ally is an online only bank, they have an obligation to ensure their customers have continued access to funds online. Without this access they are effectively holding money hostage.
Consumer complaint received 2023-03-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

US bank keeps giving this XXXX veteran the runaround on my FULL and complete tax escrow refund immediately!! I DO NOT owe property taxes in XXXX XXXX any longer because I'm a XXXX veteran. Therefore I DEMAND IMMEDIATELY a full and complete refund of my FULL tax escrow deposit from closing and ALL tax escrow amounts to me via check immediately. US bank has written proof this is the case. ALso, I DEMAND to see an immediate reduced payment amount reflected in WRITING of around 2000 $ so that the no escow in my payment is reflected, and I DEMAND US bank correct my credit report immediately to show the REDUCED mortgage payment with NO tax escrow on ALL THREE credit bureaus immediately. US bank has been dragging their feet on this for a month and a half. I ALSO REQUEST AND DEMAND WHY US BANK HAS INCREASED MY MORTGAGE AMOUNT ON MY CREDIT REPORT ABOVE WHAT THEY ARE SHOWING, XXXX XXXX, AS THIS IS ERRONEOUS AND US BANK COULD NOT GIVE ME A SATISFACTORY ANSWER.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to request the removal of certain fraudulent accounts that are currently present on my credit report. I have identified these accounts as fraudulent, and I kindly request that you investigate the matter and take appropriate action to remove them from my credit history. 
Account Information : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Furthermore, I would appreciate your prompt response to this matter, acknowledging the receipt of this letter and providing an estimated timeframe for the completion of your investigation.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (GA)

I was contacted by a phone number from XXXX, FL on XX/XX/23 at XXXX that left a voicemail. The voicemail stated that they were Wayfair customer service and that there was a question regarding recent charges to my credit card account. I was asked to provide my account number, and security code from the card when returning my call to this number XXXX. I do believe this number is a scam because I did receive the items I have purchased on this newly opened account from Wayfair.
Consumer complaint received 2023-04-07
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: Experian Information Solutions Inc. (NJ)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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