davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (MA)

someone made charges on my account at XXXX i have been disputing these charges for months. these go back to XXXX now XXXX is threating to send the account to a collection agency. i do not owe any money to them, they owe me over {$3000.00}. if this happens my credit will be down! there are over XXXX charges more than i can put on here. i am XXXXXXXX XXXX & shouldn't have to deal with this. i have gotten no help from anyone!! thanks
Consumer complaint received 2024-01-27
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. (MA)

On XXXX XXXX XXXX This company is reporting that I tried to apply for bank credit card which is incorrect they was not clear about running a hard pull on my credit what was explained to me was that it would be prequalified soft pull not. Hard inquiry I in fact didnt not give them no consent what so ever to run a hard pull on my credit profile now because of this my credit score has dropped significantly and I would like to know why was I told by there website that the prequalified selection was indeed a soft pull I never asked or wanted to move forward with them to even have them run a hard
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I am asserting my right to dispute and investigate these incorrectly reported accounts on my credit file. As per the Fair Credit Reporting Act, I should receive {$1000.00} for each erroneous report. I know that FCRA 605B obliges us to report any incorrect information on a consumer 's report.
Consumer complaint received 2024-01-27
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. (TX)

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 2024-06-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WI)

Please see both past complaints XXXX and XXXX. I have submitted multiple complaints against MOHELA indicating that I was never notified that payments would be restarting in XXXX of 2023. They were required by law to provide notification to borrowers that they would be entering repayment. On XX/XX/XXXX I recieved a letter from them that they did NOT notify me! They lied in their reponses to my XXXX previous complaints!
Consumer complaint received 2024-07-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION (FL)

CFPB, I received a letter that they needed evidence of flood insurance. I sent them the information to the email they requested. They sent me another letter stating they were going to place flood insurance that is thousands of dollars. I sent them the flood policy again to the address they requested and asked them to confirm receipt. 
They never respond and I am concerned they are going to force place expensive flood insurance when I sent them evidence twice.
Consumer complaint received 2024-01-27
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. (OH)

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of XX/XX/2023 & XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshots attached :
Consumer complaint received 2024-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Shellpoint Partners, LLC (UT)

I am owed {$7800.00} from Newrez following the closing/payoff of my loan on XX/XX/year>. They told me they would send the payment via check, and that I would receive in XXXX business days. I called them in XXXX because I hadnt received it yet. They told me that they had sent it, but it went to my old address. I find this hard to believe because all my other mail forwards. On that call they said they would void that check and send another check. In XXXX I called again because I hadnt received anything. At this point I asked for it to be sent via XXXX, they told me this was impossible. 
Last we spoke was XX/XX/XXXX when they said my only other option was to request a new check be sent. He said he sent it ( reference # XXXX ). I have still not received it. At this point I fully believe they are stealing the almost {$8000.00} Im owed.
Consumer complaint received 2022-09-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2024-07-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

Credit Acceptance keeps calling my number asking for a person named XXXX. I repeatedly told them, That I am not who they are looking for and that they have the wrong number and to stop calling me. 
I do not owe any debt to anyone for anything. 
They keep asking for my social security number and I'm not giving anyone my personal information. Also I advised the person to stop asking for it. I gave them my name and questioned them if I am the person they are looking for does my name sound like " XXXX ''? No reply. They left voice messages asking for same information. This is now harrassment!! As well as abuse to my cell service minutes that I pay for through XXXX. My Number is registered to my legal name : XXXX XXXXGet them to stop Please.
Consumer complaint received 2023-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (RI)

Since UWM began servicing my loan, every year I received past due tax notices from the city. This year I received one and went through the normal process of submitting the bill. UWM received this and said they would look into it. Over a month later I received another notice from the city stating if I dont pay the balance ( over $ XXXX ) it will goto a tax sale in XXXX. I pay every month and UWM is supposed to handle paying my taxes through escrow. Now they are not handling it even after making a complaint about it. When I call they tell me I need to submit the form online, but that didnt fix the problem. 
Loan servicer is United Wholesale Mortgage.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank (GA)

I have tried to dispute this multiple times and get this removed off of my credit report multiple times with no response, contract, or proof of allege debt from creditor. I provided an FTC report to prove that it was not my debt but the creditor still has not repsonded. The first dispute was on XX/XX/year>, The second dispute was on XX/XX/year>, and the third dispute was on XX/XX/year> all with no response and FTC attached as well as proof of identity. This is not my debt and I would like for the accounts to be removed.
Consumer complaint received 2024-07-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX I entered into a 13-month CD for {$75000.00} at an interest rate of 4.6 %, which was in line with the market rate at the time. When entering into this CD, I was required to auto-renew to the same maturity ( 13-month ) CD when the original came to term. In JXX/XX/XXXX the CD was auto-renewed at an interest rate of 0.03 %, dramatically below the market rate and the rate the bank was offering to take out a new CD at the same time ( around 5 % ). Then I was charged a break fee of 180 days interest to exit. The bank is exploiting its customers by not allowing them to opt out of auto-renew, then hoping the customer does not break the new CD within the first 6-day period of the renewal, which was done at an interest rate not even close to the rate the bank is offering to new CD customers.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Knight Adjustment Bureau (UT)

Account # XXXX Knights Adjustment Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX REPORTING TO CREDIT IS A FORM OF COMMUNICATION. Per the below, remove the report to all credit bureaus for this account within 24 hours.

Per 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except\\
Consumer complaint received 2024-01-27
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. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$600.00} XXXX XXXXXXXX Balance : {$8800.00} XXXX XXXX Balance : {$140.00XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 05/29/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am formally contesting and urging the immediate removal of a fraudulent account from my credit report. This dispute arises from a case of identity theft, for which I have filed reports with both the Federal Trade Commission and my local police department. The bank has acknowledged the legitimacy of the identity theft report and acknowledged a potential system glitch that may have hindered access to records. They have assured me that the fraudulent account will be promptly removed, as it has been erroneously present on my report for over five years. 
. Furthermore, I have contacted the bank associated with the fraudulent account. 
XXXX XXXX
Consumer complaint received 2022-11-23
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. (TX)

In according with the Fair Credit Reporting act XXXX Account name- XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (FL)

I, the consumer and natural person, was denied credit by Apple Card when my Card was closed without my consent and any explanation.

they also withhold all the money that is on my saving account and refuse to release it.

Adverse actions against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in the 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1691k You are subject to criminal liability for violating 15 U.S.C.

1691 as I have proof that I was discriminated against by Apple Card to the response I received.

Apple Card is in violation of 15 U.S. Code 1642, U.S.C. 1681m and 12 cfr 1002 because, the consumer, made an application in good faith, bit credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and i received NO benefit this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Apple Card. 
Please be aware that all negative remark found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 
Best regards, Sincerely XXXX XXXX
Consumer complaint received 2024-01-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

This medical bill pertains to my son. His father is responsible for paying this bill and his card or bank account is currently making monthly payments on this bill. I would like the debt to be transferred to him since he is the responsible party.
Consumer complaint received 2024-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$910.00}.
Consumer complaint received 2023-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

On numerous occasions with Wells Fargo Bank I have asked them how can they show a payment as approved in my transaction list and then later something else hits and they do not pay the previous item. I was charged fees by Wells Fargo and also the entity that I had no idea was placing a charge to my account. I stated I do not think it was fair for them to approve something that I was aware of and reverse it after the fact. Why would they pick and choose instead of giving a notification to me because they have called me to verify a charge before by calling me. I started taking screen shots and also turning my card off when I do not make purchases for people who attempt to take payments without my permission but did have my card. Wells Fargo even paid things from my account when my card was turned off and I have asked them how can they do that when I have a screenshot of the date the card was off and when it got turned on. I was told if I gave the card out to a company they can use it when they chose to at will. I replied each time if the card is turned off you are still not supposed to allow the charge to take place. They said it was not true. I was told that a charge can transpire if they had my routing and account number only and that was why I started assumingly protecting the account from charges that could make my account go into negative status like a banker told me there before and turn it off. They keep changing on me. It is not fair and I am struggling to survive as is. Help me please.
Consumer complaint received 2024-08-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (GA)

Had loan 4 months sent 1st payment 1month early. 
Example : first payment due XX/XX/XXXX I aent this payment in XXXX Payment and overage was applied to principal. 
I called in to advise them All monies is to go toward monthly payments. 
Each month i have to call in To reallocate my payments Because its not being done.Im told weekly its being done and nothing now it shows pass due but thats incorrect. Speaking to different representatives all of them says... They are sending the request in thats all they can do XXXX even was threatened with repossession. They are getting aggressive with me because I keep calling.Ive spoken to 2 managers and requested for their Supervisor and again Im informed they are submitting the request..I just want my payments applied correctly.
Consumer complaint received 2024-08-14
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: EQUIFAX, INC. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).