davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-23
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (NY)

Using Dovenmehule Mortgage Company : XXXX XXXX. I started an initial loan remodification ( FLEX modification ) in XX/XX/XXXX. 
2. I was told by the company to make 3 payments of the monthly amount and it would be completed. 
3. I followed up in XX/XX/XXXX, and was informed the remodification never started. 
4. They started the re-modification again. I was approved and had 3 trial monthly payments. On the last payment, the representative asked me to pay the approved trial amount NOT the current monthly amount ( short by less than {$100.00} ) and the remodifications was declined from their rep 's inaccuracy. I gave the date and time of call to the Loan Remodification officer I was working with, XXXX XXXX. She informed me she listed to the call. 
5. With the help of XXXX XXXX XXXX  who offers this company as a loan for mortgages, senior XXXX XXXX XXXX, wrote to them because I was being sent foreclosure letters. 
6. I applied for HAF assistance and uploaded proof of mortgage arrears. 
7. The loan modification was approved on XX/XX/XXXX with the condition that I mail in affidavits of identify, interest rate of 3 % and it's XX/XX/XXXX. They say it's effective and approved but have not yet mailed me or the other loan borrower any documents to sign notarize and mail back. 

I need the remodification papers mailed to me : XXXX XXXX XXXX, XXXX NY XXXX My Name : XXXX XXXX My # : XXXX My Email : XXXX My Loan : XXXX XXXX Contact : XXXX XXXX : XXXXXXXX XXXX XXXX
Consumer complaint received 2024-07-13
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I received an Amex Gift Card. I have a valid balance of {$500.00}. ( downloaded ) American Express advertises ( downloaded ) that the gift card can be used virtually anywhere. 

I attempted to use it at XXXX of the major retailers in the XXXX XXXX and XXXX. It was refused. 

I called American Express. They said they put the card on hold because there records showed I tried to use it at XXXX and XXXX, and the card can not be used there. They sent me a replacement card ( downloaded ) I would like to have American Express send me a check for the {$500.00} balance, as I can not use it at XXXX of the largest retailers.
Consumer complaint received 2024-01-19
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I contacted the credit bureaus when I noticed things on my credit reports that were wrong and needed to be fixed. I have not received a response back in XXXX  days. I checked my credit report today and my reports are still the same. I sent them detailed information on the incorrectness and also sent them the verifying identity information. I read on the FCRA website that if they do not respond in XXXX days then they must delete the information.
Consumer complaint received 2024-08-05
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: Rocket Mortgage, LLC (NY)

I am currently in the process of looking to buy a home through the VA. I was curious about how loan rates, interest, and amounts would impact the monthly repayment cost. I was trying to find an online calculating tool to see what my estimate would be if I changed some of the variables. 

I was referred to Rocket Mortgage and explained this to the representative. I elaborated that I already had a pre-approval through the VA and was simply looking for a calculative tool. I provided some basic personal information and was informed that an inquiry would be conducted in order to get the most accurate numbers. I asked if it would be a soft or hard inquiry, as I did not want it to negatively impact my credit score. 

I was assured it would only be a soft inquiry, and I consented. It was not. It was a hard inquiry, and I immediately saw it on my credit report. I was not trying to get a loan through Rocket Mortgage, as I already have one through the VA. This occurred on XX/XX/2024.
Consumer complaint received 2024-04-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (AP)

My student loans are serviced by Mohela, and I have consistently had issues dealing with them. I am an XXXX XXXX military spouse XXXX XXXX. 

They notified me in XX/XX/XXXX that my account was in administrative forbearance from XXXX XXXX XXXX. I had already made payments for XX/XX/XXXX and XX/XX/XXXX. I reached out to them via their message service and asked what my options are for the payments I made during the time my loans were in administrative forbearance. Mohela told me, in writing, that I needed to cancel my Auto Pay so that my pay ahead payments would be credited to my account. I confirmed for them that I wanted this use this option, in lieu of a refund, for XX/XX/XXXX and XX/XX/XXXX. I canceled my Auto Pay for XX/XX/XXXX, and they did not credit my account using the amount I paid ahead, and instead labeled it a " missed payment '' and then reported it to my credit. I immediately reinstated my Auto Pay so as not to miss a second payment in XX/XX/XXXX, and emailed Mohela to find out what happened. Mohela took approximately two weeks to respond to my message where they asked that I call them, because they could not assist me via message. I called Mohela and waited to speak to a representative for 45 minutes. That representative was unable to assist me, and transferred me to a " Senior Agent '' who could better help me. The wait to speak to a " Senior Agent '' was 48 minutes. Mohela offered to call me back, so I took that option. Mohela called me back 94 minutes later, promptly hung up on me once I answered, and then left me a voicemail asking me to call back. I called back immediately, and was met with another 90 minute wait. At this point, it was XXXXXXXX XXXX XXXX XXXX and I could not stay awake another 90+ minutes for Mohela. 

I can not get anyone on the phone, they won't answer my questions via message, and they erroneously reported a missed payment to my credit report. I feel I have no other recourse then to file a formal complaint.
Consumer complaint received 2024-04-30
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 believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you check the documents, please? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Consumer complaint received 2024-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.
Consumer complaint received 2023-11-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC (OH)

On XX/XX/XXXX around XXXX I arrived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX to apply for a vehicle. XXXX XXXX is the Vehicle XXXX handling the credit application for the vehicle. He was informed I would be using the XXXX for my business that is owned by XXXX XXXX XXXX XXXX XXXX and XXXX this is a Consumer Credit Transaction. He informed me that the credit application had been given to the XXXX XXXX XXXX and ran to XXXX XXXX for the extension of my credit. Actually, it appears the request has been sent to XXXX different banks and XXXX XXXX does not appear on that list. However, I confirmed XXXX different times that my credit is approved for the white XXXX XXXX LS XXXX ( XXXX : XXXX ) but I was told a down payment of {$5100.00} is required first. The standard price for this vehicle is {$26000.00} and total vehicle price is {$28000.00}. I am not sure how much the loan approval was for, as I was not told, but the offer to use gold/silver was presented. I thought per the Gold Clause Act and laws referring to lawful money, this would mean that the full satisfaction of the debt would be met by doing so. The XXXX XXXX XXXX stated he would use the gold/silver for up to 75 % conversion. 
As the single owner XXXX '' individual '' /unincorporated association XXXX XXXX assumed the Consumer Credit Act ( XXXX XXXX ( XXXX ) would apply to my application as well as the proper endorsement " by : XXXX, XXXX XXXX ''. 
Per the FCRA, XXXX XXXX XXXX, XXXX XXXX XXXX a ( b ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( f ), XXXX XXXX XXXX and XXXX XXXX XXXX I am requesting clarity and guidance. This business seems fair and has been kind to me thus far, and I would like to commence my business with them, but our information seems to be conflicting at the moment.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (NJ)

After examining my credit report, I've discovered several unauthorized account that have adversely affected my credit standing. I am deeply dismayed by your assumption regarding whether I've been a victim or not. Your authority or legal standing to make such claims is nonexistent. I firmly assert that this account is a consequence of identity theft and demand swift attention and resolution. 


I wish to clarify that I have neither initiated nor authorized the account listed on my credit report. This account has been opened fraudulently, without my knowledge or consent. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing reports. I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. 

I kindly request that you conduct a thorough investigation into the validity of these accounts and take appropriate actions to remove them from my credit report, as they are not the result of any legitimate transaction or credit application made by me. 

XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have reason to believe that Bank of America is holding mortgage payments for extended amounts of time to charge consumers late fees and/or to be able to file negative credit reports. Please see the first page of my supporting documents ( Attach A ). Long story short : Back in XXXX XXXX, BOA sent me a letter stating that due to " multiple returned payments '' my XXXX had been cancelled. When I called for clarification, I was told it was due to me having XXXX insufficient funds in a 12 month period on the days of autodraft ( Attach F ). However, per their letter ( Attach B ), I could send in a check. I did this by setting up bill pay with XXXX bank ( XXXX and XXXX ), the checks were returned ( XXXX XXXX, XXXX example ). When I called to inquire as to why the XXXX issued checks were returned, I was told by several CSRs, " You can't send personal checks. It has be to a cashier 's check and/or money order. '' I explained several times that's not what THEIR LETTER stated ( Attach B ). Several CSRs also told me, " I understand what the letter says, it's a general letter we send to all consumers and the system puts an automatic hold on your account to reject checks. '' XXXX XXXX went as far to say, " We send all consumers the same letter, we don't have time to write separate letters for each consumer situation ( XXXX and XXXX XXXX. '' I sent a letter of " Notice of XXXX '' on/or around the end of XXXX ( XXXX XXXX ). In their correspondence, they asked to be given XXXX business days from the date of the correspondence ( XX/XX/XXXX ) to reply. While waiting, I had a cashier 's check mailed on XX/XX/XXXX or XX/XX/XXXX and it didn't clear and/or post until XX/XX/XXXX. For the XXXX payment, I mailed a money order on XX/XX/XXXX and as of XX/XX/XXXX the payment has not posted to my account and BOA is calling me about the payment and late fees have been applied. My concern with this, I'm mailing to their XXXX XXXX XXXX XXXX, XXXX, TX, XXXX from a XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ). I've had other checks mailed on the same day/before/afterwards that have already been applied/cleared, yet the BOA payment has not been applied. I've had a late fee accessed to my account every month since XXXX. They did reverse the XXXX late fee. However, there is no way you can't tell me that BOA isn't being unethical in their practices.
Consumer complaint received 2023-04-28
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. (NC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (MD)

In the past I've been able to transfer money from my PNC account to an external account in whatever denomination I chose. Recently I wasn't able to do that, with a daily limit of {$2000.00}. 
I've tried to call multiple times to have this corrected and it hasn't been corrected. Recently I was told I'm not able to transfer more than this arbitrary {$2000.00} amount without a proper explanation. 
I was told to try to wire money instead of an external transfer and this too was denied. I talked to the " wire transfer '' department who said to do an external transfer ... .so this is circuitous and not at all helpful. 
This has been ongoing for several months. 
I'm losing money because PNC only pays a nominal interest rate with external accounts pay much more. 
Not only am I losing money, but PNC continues to make spread on my money as they are lending it out at a much higher rate. 
I'm concerned about this practice and believe in some ways they are stealing my money.
Consumer complaint received 2024-01-19
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. (MO)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I am writing to file a formal complaint regarding the ongoing issues I have encountered with the credit bureaus, specifically XXXX and XXXX. Despite submitting my disputes with complete and accurate ID verification as instructed, I have repeatedly received letters from both bureaus stating that my dispute letters do not appear to be sent by me or authorized by me, and therefore they refuse to investigate my claims. 

This refusal to open my disputes is not only frustrating but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to Section XXXX of the FCRA, consumers have the right to dispute inaccurate or incomplete information in their credit reports, and credit reporting agencies are required to investigate these disputes. The actions of XXXX and XXXX in refusing to open my disputes despite proper verification obstruct my ability to correct inaccuracies on my credit report.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

CFPB, I've disputed/ Called TransUnion about an incorrect address that's showing on my consumer report and needs to be removed. I never lived at the XXXX address they have showing.im also attaching a copy of my XXXX.
Consumer complaint received 2024-01-19
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. (KY)

I was a victim of Identity theft. I have filed a police report, FTC report, and signed a affidavit. I have disputed this fraudulent account on numerous times with Transunion, XXXX, and XXXX and no resolution. I have disputed this account directly with the creditor, XXXX XXXX and no resolution.
Consumer complaint received 2024-04-18
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (TX)

I received mail from TD/XXXX  bank. I called the bank on the XXXXXXXX XXXX XXXX and told them I didn't receive any items so I will not be making a payment on items I didn't receive. I was told I would incur a late fee if I did not pay. I explained that I don't have the items nor did I request any services from this institution.