davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (NH)

I refinanced my home mortgage with another lender and closed on XX/XX/XXXX. The mortgage to be paid off was with Freedom Mortgage. The disbursement date was XX/XX/XXXX. Around the same time, the servicing of the Freedom Mortgage mortgage was transferred to XXXX XXXX. Freedom Mortgage was paid in full ( {$340000.00} ) as part of my refinance but the funds were never transferred to XXXX XXXX to close out my mortgage with Freedom. I am now receiving late notices from XXXX XXXX due to the fact that Freedom did not close out the loan nor transfer payment to XXXX XXXX to close out the loan. I have called Freedom Mortgage repeatedly ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX. I have also faxed a copy to Freedom Mortgage of the wiring info showing payoff payment information ( copy attached ). I have spoken with XXXX XXXX and they still show my loan as open with them. Freedom Mortgage has been uncooperative with no direct phone number or email address to assist in resolving this matter. I continue to contact Freedom Mortgage on a daily basis and I am constantly placed on hold with no resolution.
Consumer complaint received 2023-10-25
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. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-05
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCF Intermediate Holdings LLC (TX)

In accordance with the Privacy Act, the Fair Debt Collection Practices Act, along with 15 USC Subchapter V Debt Collection Practices this is a friendly reminder and warning to be cautious of violating my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1692, 15 U.S.C. 1692b, 15 U.S.C. 1692c, 15 U.S.C. 1692d, and 15 U.S.C. 1692j. 

The Privacy Act of 1974 provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.
Consumer complaint received 2017-02-13
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: PRIMARY RESIDENTIAL MORTGAGE (TN)

Loan officer, XXXX XXXX for Primary Residential Mortgage pulled both my credit report and my husband 's credit report without out consent. Officer never even spoke to my husband to obtain any approval. I told him up front we knew our credit was too bad at this time to obtain a mortgage and we were not wanting to apply for one, but just wanted information on possibly options for us in the future. We were unaware that he pulled our credit until we checked our credit a month later and noticed the score had lowered for us both due to hard inquiry by Primary Residential Mortgage. More than a month after he pulled our credit report, XXXX XXXX emailed me asking if I would sign a credit authorization consent form for his compliance department as he did not get this from us in XX/XX/2016 when he pulled our credit. We refused to sign the form and told him via email that we never authorized him to pull our credit in the first place and in fact, told him we were not wanting to pull our credit because our credit scores were too low at the time.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (DE)

I have been actively trying to have the collection account/judgment removed from my credit report from XXXX as I and my wife, XXXX appeared before the judge and the plaintiff did not appear and the Judge ruled in my favor that this matter was a non-suit judgment on the behalf of the defendant ( I, XXXX ). I have sent the Judge 's order to XXXX in support of disputing this item from my credit report and they have since removed it. I have also sent the supporting documentation to Equifax and XXXX in XX/XX/2017 and have received correspondence from that they will not remove this fraudulent charge from my credit report. I am requesting your assistance in having them remove this from my and my wife 's credit report as this is seriously affecting our credit and lives. Thank you, XXXX
Consumer complaint received 2022-12-19
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  account ( XXXX ) : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : ending in XXXX XXXX XXXX Account Number : ending in XXXX XXXX XXXX Account Number : ending in XXXX XXXX XXXX Account Number : ending in XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number:XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : ending in XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX, XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : ending in XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Number : XXXX XXXX XXXX XXXX XXXX Loan Number : XXXX XXXX XXXX XXXX XXXX Loan Number : XXXX XXXX XXXX XXXX XXXX Loan Number : XXXX XXXX XXXX XXXX XXXX Loan Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Application Number XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number XXXX ending in XXXX XXXX XXXX XXXX XXXX Number : XXXX, has violated my rights. 

Pub. L. 90-321 [ 5 USC 1681A SUBSECTION 4 ( Consumer Privacy Act ) ] Pub. L. 90-321 [ 15 USC 1681B subsection 2 ( No written consent ) ] Pub. L. 90-321 [ 15 USC 1692j [ ( Furnishing Certain Deceptive Forms ) ]
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX account XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX account number XXXX XX/XX/XXXX I reached out and informed them about these accounts that are not my accounts and to remove them from my record but they have not removed it. I did not open these accounts and I have no knowledge of them.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

On XXXX XXXX, XXXX, my wife XXXX XXXX and I checked into XXXX XXXX XXXX  in XXXX, OK on an XXXX 3 day reservation she had booked. We paid with my Citibank credit card # XXXX for {$420.00}. 

Several hours into our stay XXXX called us to say we must leave immediately. Apparently because of my past criminal history I'm not allowed to stay at an XXXX. So we left. The hostess assured us along with the XXXX representative that our money would be refunded. 

We never received a refund. I contacted Citibank to file a dispute. XXXX then replied to Citibank sending them a copy of the contract. Citibank refused to reimburse me. I never got to stay at the XXXX XXXX XXXX so why is XXXX allowed to charge me if they kick my wife and I out. 

I will to be reimbursed my {$420.00} from XXXX that they stole from us.
Consumer complaint received 2024-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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.

ALSO, Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report.
Consumer complaint received 2024-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (GA)

Dear CFPB, I am writing to urgently address a concerning matter regarding the application of my recent payment towards my student loan. Despite making all my payments in advance and on time, I have noticed that my most recent payment, made on XX/XX/XXXX for the amount of {$170.00} has not been applied correctly and accurately. 

I have taken proactive steps to resolve this issue by contacting your customer service department on multiple occasions and sending emails outlining my situation. I've called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have followed all protocols and waiting time. Unfortunately, despite my efforts, I have not received any resolution or assistance. I was even escalated to a supervisor who was unable to provide a satisfactory solution.

Moreover, I have experienced considerable frustration as each time I have called, I have been placed on hold for over an hour. In total, I have made five calls regarding this matter, and the due date of my next payment, which is XX/XX/XXXX, is fast approaching. The correct application of this payment is crucial as it will affect my due date. 

I kindly request your immediate attention and assistance in rectifying this issue. I believe that open communication and prompt resolution are essential in maintaining a positive customer-provider relationship. I trust that you will take the necessary steps to ensure that my payment is applied correctly, and I receive the necessary confirmation. 

Please reach out to me at your earliest convenience to provide an update on the status of this matter and to discuss the steps required to resolve it. I appreciate your prompt attention to this urgent issue. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Diversified Adjustment Service, Inc. (IA)

Diversified Adjustment Original Creditor XXXX XXXX XXXX Alleged date opened XX/XX/XXXX Original balance {$1100.00} Payment {$1100.00} Paid on XX/XX/XXXX Closing balance {$0.00} Upon contacting Diversified Adjustment and requesting a settlement payment I was told that they would only accept a full payment. I was PROMISED a " courtesy delete '' with my full payment and was told the deletion of the account on my credit reports would take 30-60 days to update. The timeline passed and I contacted Diversified Adjustment and they said to give it more time to update. The account never updated and they never completed the " courtesy delete '' as promised. I have been disputing this account since around XXXX or XXXX of XXXX. There is also missing historical information in the report.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (CA)

Since at least XX/XX/2023, Ally Banks website has not permitted customers to change or cancel scheduled transfers ( e.g., a transfer from an individuals primary checking account to Ally Bank, or vice versa ). As a result, unauthorized transfers have been made, customer accounts have been overdrawn, etc. Ally is aware of this issue and claims to be working to resolve it, but they have not provided any ETA on a resolution. Nor have they notified customers or included a notice on their website explaining the issue. Until the issue is resolved, customers only option is to contact Ally customer service and ask them to cancel the scheduled transfers. Because of the issue, customer service hold times are steadily increasing, Ally Bank is an online savings institution. It is completely unacceptable if their website is nonfunctional for one day yet here we are, going on XXXX weeks. Providing customers full control over their deposited funds is the bare minimum a bank should be required to do.
Consumer complaint received 2024-01-05
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Minto Financial dba Minto Money (TX)

In accordance with the Privacy Act, the Fair Debt Collection Practices Act, along with 15 USC Subchapter V Debt Collection Practices this is a friendly reminder and warning to be cautious of violating my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1692, 15 U.S.C. 1692b, 15 U.S.C. 1692c, 15 U.S.C. 1692d, and 15 U.S.C. 1692j.

The Privacy Act of 1974 provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 2024-01-05
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: AES/PHEAA (AL)

I hate this XXXX company, American Education Services. If a XXXX is one day late with payment, they will call you and harass as though you are 30 days late. The phone reps sound like a bunch of XXXX The only repayment option AES offers me is XXXX in which they " may '' forgive the loan. Typical XXXX  This loan was totaled {$6000.00} but it has ballooned up to {$14000.00} with a 10.26 % interest rate. Just pure harsh. I thought I had settled down they payment back in 2013 to hardship payment of {$35.00} x XXXX due to my status as " XXXX XXXX XXXX' but AES has reneged on the contract and my payments are {$58.00} x XXXX and will increase to {$72.00} x XXXX. This is a horrible company to be offering XXXX loans.
Consumer complaint received 2024-04-04
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. (IN)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint # & I am including it again., 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 XXXX XXXX
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything of my consumer report which violates my rights as a federal protected consumer NO CONSENT IS IDENTITY. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I made a payment to Kohls, {$13.00}, on XX/XX/ on the phone with Kohls customer service. On the XX/XX/ statement, Kohls charged a late fee, {$40.00}, on XXXX the same day as the payment. How many people has Kohls done this to? 
I caught them trying to steal money from me. I knew the balance was {$0.00} based on my last call to Kohls. If I didnt read the statement I would owe fees and interest on {$40.00} they charged me illegally.