davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-25
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account # 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
Consumer complaint received 2024-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: ALL WESTERN MORTGAGE (CO)

In XXXX of XXXX I applied for a refinance mortgage with Allwester Mortgage to take equity out of my investment property in order to purchase another investment property. I had just filed my XXXX XXXX XXXX taxes and still owed {$35000.00} on them. Allwestern Mortgage required the XXXX taxes be paid so they took additional equity out in order to pay the XXXX taxes at closing. However, Allwestern gave XXXX XXXX ( title co ) the XXXX estimated tax vouchers to pay instead of having them pay the XXXX taxes. Now the IRS had penalized me an additional {$8000.00} and the threat of having a tax lien put on my property since the mortgage company told the title company to pay the wrong taxes. 
I reached out to the title company who sent me the chain of emails stating the mortgage co told them to pay the XXXX estimated vouchers. I then reached out to the mortgage company via phone and several emails with no response. The IRS will not accept my XXXX XXXX XXXX XXXX since my XXXX taxes were not paid. I have attempted to settle the issue, but Allwestern Mortgage will not return phone calls or emails.
Consumer complaint received 2023-06-15
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. (AZ)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX - XXXXXXXX XXXX XXXXXXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the item 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 2024-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (WA)

New Rez incorrectly charged us for Lender Placed Insurance. It took months and repeated calls to get that corrected. This was partly due to strange policy that emails are only opened if you are on the phone with service agent!!! Finally resolved but New Rez still wants payments for the now-cancelled lender placed insurance for XXXX and XXXX Each month I call and each month I am told they will need to run a new escrow analysis. The analysis takes at least XXXX days so it never gets completed by the next billing cycle. I can not get this issue resolved with New Rez and hope you can be of assistance. As of today, they want a payment of {$770.00}. They say it will be refunded at the end of the calendar year. This is crazy. I am a retired actuary and have never seen such poor customer service in the financial industry.
Consumer complaint received 2017-11-03
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. (MI)

My name is XXXX XXXX I am a victim of identity theft and there is currently a {$3600.00} charged off XXXX XXXX XXXX account ( XXXX ) being reported to my credit report that I did not create. In my most recent dispute, I requested the credit bureau to block this account from being reported on my credit as is my right under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). Under this statute, a credit reporting agency must block the reporting of any information that resulted from an alleged identity theft if the consumer can provide appropriate proof such as an identity theft report. I have repeatedly sent the credit bureau a copy of an identity theft police report I filed with my local XXXX XXXX Police Department 's office on more than three separate occasions. To this date, the only generic response I have received is that the account has been " verified '' and will not be deleted. XXXX XXXX XXXX itself has not been able to prove that they have the right person in their records and has n't removed this inaccurate information. I am filing this complaint because the credit bureau is refusing to acknowledge my request to have this fraudulent account BLOCKED. It is my right as a consumer to request this and I will make sure the credit bureau is held accountable to the full letter of the law if they do not honor my request and continue to stall my dispute. I am once again attaching a copy of the identity theft report in this email which I know the credit bureau already has.
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

I applied for a XXXX XXXX card online on XXXX website in early XXXX. Then I received a card ending XXXX in onXXXX week without knowing that Barclays bank billed me {$15.00} for mailing the card. If I would know that I would not accept the card. However, I did not even activate the card and threw away the card in trash. I found out I have a bill of total {$100.00} and called customer care talked to XXXX XXXX as XXXX VP of customer care operation on XX/XX/23 for the above past due amount. I requested to mail me all paper statements which were never mailed to me. I received the billing statement and asked if bank would waive all fees and interest for total {$88.00}, he said it was not a purchase, could not waive fees and interest. 

I have never heard any bank would charge mailing fee for sending a credit card. 
I don't have full credit card number, only have account ending number XXXX on the billing statement.
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (VA)

This complaint is a follow-up complaint of the previous complaints ID XXXX AND XXXX. In the first letter dated XX/XX/XXXX, Ally Bank admitted that its online banking was down a lot that I could not make my bill payments. In that letter and the letter dated XX/XX/XXXX, Ally Bank denied that its online banking was down on purpose to discriminate me and treated me unfairly. In the letter dated XX/XX/XXXX and XX/XX/XXXX, XXXX kept saying they closed my accounts because I did not take good care of my accounts. HOWEVER, THE KEY HERE IS THAT XXXX FAILED AGAIN TO POINT OUT EXACTLY WHAT I DID WRONG TO MY ACCOUNT BESIDES I COMPLAINED IN THE PAST THAT THEIR ONLINE BANKING WAS DOWN A LOT THAT I COULD NOT MAKE BILL PAYMENTS. THIS PROVES THAT XXXX AND ALLY BANK ARE BIG XXXX LIARS. Ally Bank closed down all of my accounts just because they revenged that I complained a lot.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (NJ)

A late payment was reported on my account. I usually get notifications from lenders when payment is due, but this lender failed to contact me and rather went ahead to report a payment that was not due. My credit score dropped by XXXX points a result. 

I want this late payment removed from my credit report.
Consumer complaint received 2024-04-13
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX, has violated my right. 

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.
Consumer complaint received 2024-04-13
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. (CA)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information The following accounts : XXXX XXXX XXXX installment loan The Following XXXX Inquiries - XXXX XXXX XXXX XXXX The following XXXX Inquiries XXXX XXXX XX/XX/2024 the Following Transunion inquiries XXXX CREDIT XXXX XXXX XXXX Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX ENCLOSURES : - Identity Theft Report - Proof of identity : - Copy of Credit Report - Fair Credit Reporting Act Section 605B
Consumer complaint received 2024-02-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

After depositing a check to my business account on XXXX, Bank of America informed me that they were terminating the banking relationship. After some investigating, it was determined that I needed to send over another document on my companies dealings. Documents were taken to a branch, and sent to Bank of America 's corporate office. From there representatives have informed me several times that my funds totaling XXXX  would be sent. The representatives asked me to call back on the XXXX of XXXX. I rang them and was informed that funds would be sent on the XXXX of XX/XX/2024. The XXXX came and went, spoke to another representative who stayed the account would close out on the XXXX and to call again on that date. The XXXX arrives with me going into a banking center local to me, and having a banking mngr call on my behalf. We were then informed that I needed to wait until the XXXX. On the XXXX I call, only to be told that I should call on the XXXX '', i I formed the rep that it was indeed the XXXX she told me to go to a branch and have a rep there call and confirm my identity. The following day I returned to the same branch I'd previously visited had the same rep ( XXXX ) call, we were informed the check would depart that day for delivery to my home. I called the bank again on the XXXX of XXXX for confirmation of the check having been sent. Only to be told that the account was still open and that it could take an indeterminate amount of time to close. I asked for a supervisor. The supervisor informed me that she was escalating the matter and to call back in XXXX. Which starts on Monday the XXXX of XX/XX/2024. I've asked for the return of funds to be given in branch, im told it has to be mailed. Which makes no sense to me. XXXX important. I'm tired of having to chase my funds. The internet is littered with horror stories of how banks are closing accounts for reasons unknown and clients are not getting their hard earned monies returned them. However the ones who turn to the CFPB seem to get their monies returned. Hence the reason for my complaint.
Consumer complaint received 2024-02-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Regional Recovery Services (TX)

I answered a phone call from regional recovery. I asked them for written verification of the debt and he told they dont have to do that and refused. I told them that was my right and he said it was not and that he would take this as refusal to pay the debt. I then told him that I am not refusing I just want validation of debt. He then hung up. This all occurred on XX/XX/year>
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

On XX/XX/XXXX I reviewed my online Equifax Credit Report. it showed 2 accounts as Negative. I then called and it was confired as only one. I asked why I could not see it and they stated it because I had a free account. 
The only negative one they could see was for an auto loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and was a charge off. 
I explained that was inaccurate, as that loan was included as a secured claim on my XXXXXXXX XXXX XXXX which was discharged in XX/XX/XXXX. I have received the lien release for the car in XXXX of XXXX. 

it shows not removed until XX/XX/XXXX and was opened XX/XX/XXXX. 

the loan was opened XX/XX/XXXX,
Consumer complaint received 2024-02-02
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Strategic Financial Solutions, LLC (NM)

Starting in XXXX of XXXX, XXXX XXXX XXXX ( part of Strategic Financial Solutions ) began collecting substantial fees from me, not admitting to me as a consumer that any settlements with creditors will take months to secure. XXXX XXXX front-loaded fees leaving me, the consumer, with little money for any such potential settlements. As a result, I regularly paid into the de They made a debt plann with the smallest settlement ( apx {$1300.00} ) with one creditor, and they collect a significant amount of fees every month. The settlement was the original amount due prior to my contract with them. In XXXX XXXX, I exited the program having paid substantial fees, but with none of my debts settled or reduced. In the end, I had accrued more debt through their " services '' than I started with, my credit scores decrease substantially, and I ended up getting sued by creditors. 
According to their contract ; they were supposed to represent me if I got a court summons/trial.They broke the contract when they did not even assist to answer the summons; dodging my mny calls, emails, " contact us '' webpage, etc ....
Consumer complaint received 2024-04-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Pas due/Monthly Payment There should not be a past due or monthly payment reporting. 
mail.c Account Status : This field should report as closed if the account has been charged-off. 
Account Balance This amount should be reporting XXXX if it has been sold. 
Date of Last Payment/Date of Last Activity The DOLP ( XXXX XXXX ) and DOLA ( XXXX XXXX ) MUST report on ALL charged off accounts. In fact, they must report on ALL accounts reporting on your credit report. 
High Balance This amount should be higher than the " current '' balance that is reporting on all charged offs. If the charged off is a credit card, this field MUST be reporting. Such a thing is mandatory and required.
Consumer complaint received 2023-12-15
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Bounce AI, Inc. (FL)

I am writing to file a formal complaint regarding the mishandling of highly sensitive personal information by Bounce AI , Inc., a company that I recently had an interaction with. 

On XXXX XXXX XXXX XXXX XXXX XXXX, I received an email communication from Bounce AI , Inc . The email contained highly confidential and sensitive personal information, specifically a Social Security number. This transmission of sensitive data via unsecured email raised significant concerns regarding data security and privacy practices. 

The email communication did not employ adequate encryption or security measures to protect the confidentiality of the Social Security number. This action raises questions about Bounce AI 's adherence to standard security practices for handling such sensitive information. 

I am deeply concerned about the potential risks associated with the mishandling of this sensitive data. Transmitting highly confidential information via an unsecured medium, such as email, raises serious privacy and security concerns. 

This incident has prompted me to file a complaint to address the mishandling of sensitive personal information, particularly the transmission of a Social Security number via an unsecured email communication method by Bounce AI , Inc . 

Company Details : Bounce AI , Inc . 

Physical Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I urge the relevant authorities to investigate this matter thoroughly to ensure the protection of consumer privacy and data security. It is crucial to address this mishandling of sensitive information and take appropriate action to prevent such incidents in the future.
Consumer complaint received 2024-04-13
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. (FL)

I would like you to remove all the inaccurate and misleading information from my credit report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that the following items in my credit report be re-verified and removed : I have attached the proof that the above items are inaccurate for your convenience. 
XXXX XXXX XXXX Under the FCRA , you must re-verify the items and get them removed within 30 business days of receipt of this letter, to avoid violation of the law. Please notify me of the changes and forward me the updated copy of my credit report to the address referenced above. 

I have highlighted all the inaccurate information that has been reporting as well as the incorrect information that the company has provided, which proves that this company XXXX XXXX pushes dealers to sell cars with hidden interest costs and surreptitiously include expensive add-on products with vehicle sales. The complaint further alleges that XXXX XXXX applies complicated algorithms to predict how much it is likely to collect from borrowers to determine how much to offer dealers for each loan, resulting in high-cost loanswith annual percentage rates ( APR ) often exceeding state usury capsmade without regard for borrowers ability to repay, while still yielding profits for XXXX XXXX. A significant number of XXXX XXXX most credit-constrained borrowers become delinquent on their loans within the first year, and many also lose their cars to repossession and auction or suffer other negative effects from the loans. The joint complaint alleges that XXXX XXXX is engaging in deceptive acts or practices in violation of the Consumer Financial Protection Act of 2010 by misrepresenting key loan terms, including the true principal, finance charge, and APR. The joint complaint further alleges that XXXX XXXX is engaging in abusive acts or practices by taking unreasonable advantage of consumers lack of understanding of the risk of default and the severity of the consequences associated with its loans and taking unreasonable advantage of consumers inability to protect their interests in selecting or using XXXX XXXX  loans. The joint complaint also alleges that XXXX XXXX substantially assists dealers in the deceptive sale of add-on products. The complaint seeks permanent injunctive relief, damages, and civil money penalties. My {$5000.00} downpayment was never even applied towards my loan balance it actually increased from XXXX to XXXX how was that possible. The fact that they advised that car dealership never file a claim for the engine is strange to me the car sat at the dealer car shop allegedly going back and forth requesting. The car dealership has actually gone out business backup for its practices as well.
Consumer complaint received 2024-01-29
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. (TN)

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 2024-01-29
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. (NV)

I have called multiple times to get these hard inquires remove as I do not recognize them and its fraudulent. The accounts are as follows, 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
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I have two fraudulent credit cards reporting on my credit report on XXXX. 

They are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX