davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/2023 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 XXXXXX/XX/XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2024-02-10
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. (FL)

I filed a complaint with the cfpb stating that the credit reporting agency listed failed to provide information requested within the 30 day window allotted by law. They stated that I would receive a response to my request within 60 days of my request. The law states that the credit bureau has 30 days to provide this information so the credit bureau is already in violation of the law. Another waiting period is not acceptable and items are to be removed from my credit report immediately!
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-03-14
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (NC)

The Banana Republic account ending in XXXX issued by Barclays Bank is incorrectly listed as XXXX days late. I explained to the company that my XXXX  passed away and that I in error used the wrong account to make a payment This account has always been paid on time but this was an unintentional oversight. I spoke with an agent on XX/XX/16 that told me that the company would help me in light of the XXXX time issue due to my XXXX  being deceased and they stated I would not be negatively impacted on my credit report. They refuse to update or correct this information. I have had exemplary history with them. Currently my account balance is XXXX and I pay it down to XXXX  frequently. Please remove the inerrant XXXX  day late remark. Thanks
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (FL)

Just to give some base information : Our home Mortgage is through Mr. Cooper which is a brand name for Nationstar Mortgage LLC. XXXX is who are bills are addressed from which is subserviced by Mr.Cooper. For several months we have had issues with the payments being applied incorrectly to the account. The issue continues to happen even as recently as XX/XX/2024. Our credit report pulled today shows issues with XXXX and XXXX payment. I called and spoke with XXXX at Mr. Cooper sharing our confusion and concern. I explained we have set up auto pay and our bank is showing the money was sent. She also confirmed she showed our payments current and the XXXX was received on XX/XX/2024. I will also attach a statement showing XXXX payment on XX/XX/2024 and the movement of funds at XXXX. It also shows the removal of a late fee due to the payment being applied to the account incorrectly.
Consumer complaint received 2024-04-17
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. (FL)

Kindly expunge these fraudulent accounts from my credit report, as they are not mine and were unknown to me. Per USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.
Consumer complaint received 2024-03-13
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

MERCANTILE ADJMNT BUR - Account XXXX XXXX First of all I never signed anything with this company, I do not know why they are on my credit report. I have filed a dispute, and it was updated that they are accurate. I do not know anything about this company, I never called or asked for their services. I want it removed immediately off my credit report, I was never given or sent any type of paperwork showing this is accurate. I want something shown that I signed a agreement with them to prove that it is accurate. 

XXXX XXXX
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (MS)

LVNV has sent letters to me on behalf of my ex husbands debt. I just recently figured out it was an old debt he had. Not me. They have listed it as my debt on my XXXX credit reports. Ive disputed on all. I just disputed at XXXX again. Its still there. I received a letter at my house from LVNV that was shocking. It said that it would not show me proof that the debt belonged to me because it stated that I hired a XXXX party company to fight the debt for me. This is very untrue. I wrote the letters and handled disputes all myself. I may have already sent this previously, but cant be certain. I have determined it was my ex husbands debt bcs they sent a letter with his name telling the money he owed credit one in the amount of {$630.00} but the LVNV company was taking over his debt. Can you pls help me to make them remove this unfair debt placed on my credit report. For sure its on XXXX. Maybe the other XXXX bureaus also. I have a copy of the letter that stated they wouldnt provide proof to me. I have never see anything like that in my life. Here is the name and address Lvnv FUNDING LLC C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX I dont have an account under but it was under my ex husbands name. 
XXXX XXXX XX/XX/1981 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is his information. 
Pls help me. I am at work but can upload the letter tonight that shows its his debt from XXXX XXXX.
Consumer complaint received 2024-03-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: FIRST HOME MORTGAGE CORPORATION (MD)

Dear CFPB, I am writing to file a complaint against First Home Mortgage of XXXX  for misrepresenting the terms of my private mortgage insurance ( PMI ) on my FHA loan. 

About 3 years ago, I spoke with a loan officer from the Company, about obtaining an FHA loan for my home. During this conversation, I specifically inquired about the removal of PMI. The loan officer informed me that PMI could be removed once I met certain qualifying factors, such as reaching a specific equity stake in the home or completing a certain number of on-time mortgage payments. 

Based on this information, I proceeded with the loan application process. However, after closing, I was surprised to discover that the loan documents stated that PMI could never be removed from the loan. When I tried to go the First Home Mortgage to get it removed, I was informed that the loan terms were non-negotiable. 

I feel that the Company made false or misleading statements about the removability of PMI on my FHA loan. These statements induced me to proceed with the loan application, and I would not have done so if I had known the true terms regarding PMI removal. 

I request that the CFPB investigate this matter and take appropriate action against the Company. This action could include requiring the Company to modify the loan terms to allow for PMI removal under the conditions originally presented, or to provide other forms of compensation for the misrepresentation.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

Regarding the Smartly Checking offer of a {$500.00} bonus using bonus code XXXX. 

Conditions were : 1. Open a new US Bank Smartly Checking account with a minimum deposit of {$25.00} either online, in a branch or over the phone from XX/XX/XXXX through and including XX/XX/XXXX I opened an account online on XX/XX/XXXX and transferred in {$25.00} the same day. 

2. Enroll in the US Bank Mobile App or online banking within XXXX days of opening the account I enrolled in mobile banking on XX/XX/XXXX 3. Complete XXXX or more direct deposits within XXXX  days of opening the account that total {$5000.00} to {$9900.00} to earn the {$300.00} bonus or {$10000.00} or more to earn the {$500.00} bonus. 
A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, from your employer or the government. 
On XX/XX/XXXX, my employer deposited {$14000.00} using a real-time electronic deposit. 
On XX/XX/XXXX, my employer deposited {$1000.00} using a real-time electronic deposit. 

On XX/XX/XXXX, I called to confirm that the conditions were met to earn the bonus. I was told they were. 
I called again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX asking why I hadn't received the bonus. Each time I was told that it was either on the way or that they would file a form to find out what was going on. On several of these calls I asked again if the conditions had been met and was told they were. 

On XX/XX/XXXX, per the instructions from the last call, I sent an email to XXXX explaining the situation and asking why I hadn't received the bonus. I got no response.. 

On XX/XX/XXXX, I called again and was told that the XXXX deposits did not qualify and I would not receive the bonus. 

Issues : 1. The text of the Disclosure stated, " A direct deposit is an electronic deposit of your paycheck .... '' My deposits were electronic and for my paycheck.

2. I asked on several occasions if I had met the qualifications and was told that I had. They had plenty of opportunity to let me know if my deposits did not qualify.

3. By the time they finally told me that my deposits did not qualify, it was well past the XXXX  day limit, thus eliminating the possibility for me to rectify the situation qualify for the bonus.

I'm not a lawyer but this seems like false advertising at a minimum if not some sort of scam. 

My employer is an XXXX XXXX XXXX XXXX. It pays me on a XXXX just like any employer and I use electronic transfers to pay myself. 

Thanks, XXXX
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc. (GA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2024-04-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been fighting a collection that does not belong to me with 4 different collection companies from XXXX, every time I ask for proof of debt and tell them I have never had XXXX XXXX, they remove the collection from my credit report and then reinsert it on my credit report a month later, or put it under a different collection company, I have lived at the same residence for the past 10 years and have always had XXXX which I can provided the bills showing that I have, each time I provide the proof to these collection agencies they remove it and then reinsert it on my credit report which is illegal, or transfer it to a different collection company, I have also reported this to Transunion, XXXX, and XXXX, which I have proof of, and they have never once provided a notice of reinsertion within the XXXX business days as required by FCRA law, they all continue to allow this to go on and affect my credit, which is hurting me financially. The collection companies are XXXXXXXX XXXX XXXX XXXX, and now XXXX XXXX XXXX, I am uploading some of letters that was sent, and the Certified USPS receipts proving everything I am saying is factual, I have other letters and proof of this illegal practice that I intend to show in Court when I sue for continued harassment, financial loss, and a lack of effort on the credit bureaus part to provide factual reports, there is no way these collection agencies could get away with this without the credit bureaus not knowing and allowing this illegal practice reinsertion and re-aging to continue.
Consumer complaint received 2024-02-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (WA)

I obtained a car loan from Wells Fargo in XXXX, I paid off the loan XXXX XXXX. 
Wells Fargo misappropriated some of my payments and declared my loan delinquent in XX/XX/XXXX for {$450.00}. Then in XXXX XX/XX/XXXX they sent me a refund check for {$800.00}. This is similar to the lawsuit and mistakes Wells Fargi admitted when they settled with you 2 years ago. 

Wells Fargo did not apply some of my loan payments correctly and my account was short due to this Wells Fargo mistake. 

Please help me, Wells Fargo is refusing to fix this problem. The employess at Wells Fargo executive office XXXX staff told me to get a lawyer and then they will talk to me. 

Please contact me.
Consumer complaint received 2024-02-21
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: FISERV INC. (CA)

My California Middle Class Tax Refund prepaid debit Visa card was fraudulently used on XX/XX/2023 for XXXX separate transactions in the following amounts : {$10.00}, {$15.00}, {$15.00}, {$20.00}, and {$29.00} for a total of {$89.00}. When I discovered the fraudulent charges to my prepaid card on XX/XX/2023, I contacted Money Network immediately to make a claim. I was sent a new card and selected a new pin number. I was told that the charges looked like prepaid phone charges made by XXXX XXXX XXXX  located in XXXX XXXX XXXX. I informed the customer service representative at Money Network that I did not make the above listed transactions and that I did not know a XXXX XXXX XXXX. I was told by the customer service representative that a dispute for the charges would be filed. Since XX/XX/2023, I have repeatedly contacted Money Network only to be told different information each time I speak to a customer service representative. I have also been told that my claims were denied because there was a lack of information. I dont have access to any additional information other the information that I have provided above. Network has failed to provide any proof that the fraudulent charges were charged by me and they have not responded to my written requests disputing the denial of my claims for a total of {$89.00}. I need help trying to get refunded for the {$89.00} that was fraudulently spent from my tax refund card and so I am making a complaint here since I cant get any response from Money Network.
Consumer complaint received 2024-01-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I have added original complaint filed with XXXX as an attachment. 
I completed a XXXX XXXX and had paid off my vehicle and Capitol One had reported it was paid in full but would not send lein release, after my bankruptcy was closed without discharge due to a previous XXXX XXXX they recalculated my loan and now state my vehicle is not paid off. They say that if it was paid off before my bankruptcy was closed they have to consider it paid. I provided proof it was and got a response back that that did not matter, either pay or they reposse my vehicle. Then after me stating they had reported to the credit reporting agencies that it was paid in full, they then sent them an update and ruined my credit even further, I disputed and then they updated it to closed and a write off, however they still expect me to pay more and threatened to take my vehicle.
Consumer complaint received 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (UT)

My loan was moved from XXXX to Aidvantage. I already had dealings with XXXX about how they were incorrectly calculating, but then it was sold/moved to Aidvantage during the pandemic forbearance period. I applied for the SAVE plan as I was on IDR prior to the Federal forbearance period for student loans. I applied for SAVE the MOMENT we were able to apply. I got an update on my Aidvantage portal that my Repaye-to-SAVE had been approved and then a calculation that was astronomically incorrect ( around $ XXXX ). So I reached out to Aidvantage to let them know. They said they were aware of the miscalculation and if I resubmitted my SAVE application, it would be addressed. So I resubmitted my SAVE IDR information. Then I never got an update. So I called back in to see the update. They told me the payment amount should be much lower ( closer to $ XXXX ), but there was no documentation for me to see that online as the most recently documents available still had the XXXX incorrect calculations. She said they were still calculating my SAVE application and it would be done within 60 days. XX/XX/XXXX, I noticed my student loan balance continues to increase, which it is not supposed to do when on the SAVE plan. I contacted Aidvantage AGAIN about this. They said they are still calculating the amount due ( what?! ) and it's a 60-day turnaround. I asked for documentation to be updated and they said there isn't an updated document. I asked if they'd be removing the interest that was accruing on the account as SAVE isn't supposed to have interest accruing and they were the ones that have incorrectly calculated the amounts. They admitted to incorrectly calculating. They said no interest would be removed. After a lot of pushback, they said they'd be willing to remove interest going back to my 3rd ( and most recent ) submittal of SAVE in late XXXX since that was " when I applied for SAVE ''. After even MORE pushback and demanding a supervisor, they admitted that I applied for SAVE earlier ( late XXXX, which was actually the SECOND application after I noticed they messed things up on the first application ). When I was pushing back to get them to look further and how I applied for SAVE EARLIER than that because I had a response from THEM about the update in early XXXX, they disconnected the call. I keep attempting to call and get this updated to no avail. In the meantime, this company is charging me interest, raising the balance owed, and no resolutions in sight for this. 

I'm left with literally no options on how to handle this and have done everything the way I'm supposed to do it. What recourse do we have when financial institutions are allowed to just add more and more without being held accountable to anyone for doing the right thing?
Consumer complaint received 2024-04-17
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. (FL)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
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. (NJ)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-22
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. (AL)

I order my consumer report and I notice that my rights were violated under the FCRA Section 602 and 604. 

I am the consumer and I have the right to privacy and no one should furnish any accounts on my consumer report without permission or written instructions by me.