davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-21
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: ALLY FINANCIAL INC. (MI)

On XX/XX/XXXX of 2023 myself and my wife went to XXXX XXXX in search of a new vehicle. Upon sitting down with the salesman and getting our initial information, he wants to go run my credit. We gave authorization for the credit to be ran XXXX singular time, after our initial rejection I was disappointed, but then the Salesman said let me see what I can do not informing me that he intended to run my credit score XXXX more times after that statement. Upon running it a total of XXXX times Im not sure where the approval came from but we were eventually approved. Let it be said that this was also done in the managers office away from our supervision. I As I am in the process of attempting to acquire a house and get my finances in order, I checked my credit score to find I had XXXX hard inquiries on the same day from the same establishment. I called XXXX XXXX, To discuss this and ask about their business practices, and the only thing they Said in response was you may have lost XXXX pts but we got you in a car didnt we? Any other time Ive done any kind of lending I Have always been informed about each time that my credit is about to be ran because of the risk that hard inquiries can have to have this done without my knowledge and against my consent Extremely duplicitous and unprofessional. Any business that operates like this with the knowledge of the damage theyre doing should not be allowed to exist in my personal opinion
Consumer complaint received 2024-04-21
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: CITIBANK, N.A. (DE)

On XX/XX/XXXX I made a purchase in the amount of {$25.00} on my Macy 's card. On XX/XX/XXXX I made a payment in the amount of {$40.00} to Macy 's. On my XX/XX/XXXX billing statement I was notified that my account was past due. I immediately called Macy 's to explain that a payment was made on XX/XX/XXXX. They could not locate the payment and I was told to file a dispute which I did. The results of the dispute arrived in XX/XX/XXXX and indicated that my payment was sent to an account that was XXXX  in bankruptcy in XXXX and that the balance on that account was over {$800.00}. After receiving the dispute results, I called Macy 's in XX/XX/XXXX requesting that the funds that were misapplied by TRANSFERRED to the appropriate account. I was assured that would be done and the late fees removed. In XX/XX/XXXX, I received another statement saying that my account was passed due. Again, I immediately called and asked to have the misapplied funds transferred. The associate was very helpful and was honest and revealed that this request would require XXXX  approval, and that the previous associate did not submit the request given the reason that " the customer wished to withdrawal request ''. She assured me that she would submit the funds transfer request. XXXX  XX/XX/XXXX I receive another communication from Macy 's stating my account was passed due, and again, I call immediately and initiated a second dispute. This time I was transferred to XXXX and told that they COULD NOT TRANSFER the funds, so they would have to issue a refund. On XX/XX/XXXX I submitted a complaint to the XXXX  XXXX XXXX On XX/XX/XXXX my account was reported delinquent to the credit bureaus. On XX/XX/XXXX I received the refund check for {$40.00} which I must stress, I DID NOT ask for. I wanted the funds TRANSFERRED. I called Macy 's that day and during this call the associate was able to remove all but {$2.00} of the associated fess and interest. I told him that I would send payment in the amount of {$27.00} via my bank 's bill pay. On XXXX XXXX Macy 's received the payment. Macy 's responded to the XXXX  with inaccurate information, and although they have removed the delinquency from my account, they are still reporting my account as " passed due 30 days '' for the month of XXXX to the credit reporting agencies. This " 30 days past due '' is because Macy 's refused to transfer misapplied funds/issue a refund in a timely manner.
Consumer complaint received 2024-04-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC (IN)

Hi. My problem is threefold. My loan has been sold three times within two years, the communication with the company is impossible and deceptive each time I call, and this company has paid an escrow payment to another insurance company that is not listed on my escrow account. See details next : I have been attempting to obtain a refund from AmeriHome for an escrow payment for {$900.00} paid to XXXX. Two escrow payments were removed from my escrow account. One escrow payment paid out to XXXX on XX/XX/XXXX and another escrow payment paid out on XX/XX/XXXX to XXXX. I have made many calls and there is/are notes created by a representative. They were working to contact XXXX to get a refund and get the money returned to me. Once this happens, I, then, will call my new mortgage company ( XXXX XXXX  ) to put that missing, misdirected {$900.00} escrow payment back into my escrow account with freedom mortgage. 
At this point I am receiving different stories from many representatives at AmeriHome. They ( AmeriHome ) did purge my files ( my loan has been closed out with them since XX/XX/XXXX ) and they now my account can be seen and they do have a copy of the check cashed by XXXX. These are in the notes with AmeriHome. 
My current mortgage company ( XXXX XXXX  ) has increased my monthly payments in order to make up for the extra escrow payment ( {$900.00} ) removed from my account on XX/XX/XXXX. There also is another late Escrow payment of {$900.00} made on XX/XX/XXXX. I dont particularly like paying a higher payment for a huge mistake, made by a professional business that should not be making these types of errors which directly affect a consumers financial health and livelihood. We the consumer expect that our money is safe with a financial institution and that all monies will be handled appropriately! I am distressed and extremely incensed over this huge error with my money! I want to have a resolution. I have contacted the attorney general in Indiana as well as New Jersey and have reported to another agency. Consumer FTC. I see the many complaints on the XXXX site. They are dealing with the same issues. Im not so sure that there is some type of fraud taking place with unaware consumers who trust their mortgage company to do the right things. Its also very difficult to get someone who will work with you at this company. Its the runaround every single conversation with them. They have everything documented in their system but it is a different representative each time. I do not feel I can deal with AmeriHome because they appear to give me the runaround each time I speak with them. Im done and will not continue to deal with them. I need a proper person that has the knowledge to handle this error. 

Help!
Consumer complaint received 2024-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/year> I received a phone call from Wells Fargo ( a spook number is what its call when I spoke to Wells Fargo that what they told me ) stating that fraudulent transaction on my account they sent me a verification code I gave them the code they then access my account froze my online app and added XXXX recipients to my account and tried to send a XXXX dollar to each XXXX out of the XXXX transactions was denied but XXXX went through someone call money man when my online acces was frozen I hung up and directly call and reported it to Wells Fargo XXXX XXXX the see the transaction and noted that I reported it as fraud as I explain what happen and told the agent why would I try to send XXXX when I didnt even have more then XXXX in my account they said they was going to investigate and then denied my claim when I call they said they would send me the investigation report and the reason why they denied my claim which they never did I was told it would take up to 30 days it been over 45 days and I havent received the report I also call them and gave them the police report # XXXX XXXX Florida police department XXXX XXXX : go XXXX XXXX Money man : XXXX Ashly XXXX XXXX XXXXXXXX Some of the recipients that XXXX added but the only transaction that went through was money man I already told police I would like to file charges and prosecute the person The redress sought is that my XXXX be refunded to me because I dont knew these individuals and I just want my money back
Consumer complaint received 2024-04-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I have received notification from XXXX XXXX on three separate occasions over the past two months, regarding opening an account at Citizens Bank. On XX/XX/XXXX, a XXXX Representative and myself contacted Citizens Bank and after roughly 35 mins of getting nowhere, the branch manager hot on the phone and said that it appeared that the bank worker fat fingered my SS # by accident and it will be addressed. Well today XX/XX/XXXX, I received another notification that my SS # was used again at Citizens to open an account. This nonsense needs to stop. Once was an accident, two or three times seems like fraudulent behavior.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On or about XX/XX/XXXX and XX/XX/XXXX, I submitted a complaint to the CFPB regarding inaccurate information on my credit report created by TransUnion, XXXX, and XXXX regarding the following debt collection accounts which were being inaccurately and innocuously reported : XXXX ) XXXX XXXX -- XXXX {$4400.00} XXXX ) XXXX XXXX XXXX XXXX -- XXXX {$590.00} XXXX ) XXXX XXXX XXXX XXXX XXXX {$320.00} To date, XXXX, TransUnion XXXX and XXXX continue to XXXX and negligently violate my federally protected rights by refusing to remove and delete these accounts from my credit report AND credit file. Pursuant to 15 USC 1692c, which states that " if a clearly consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease ALL communication ''. Ceasing ALL COMMUNICATION includes communication with any 3rd parties of which TransUnion, XXXX, and XXXX are 3rd parties. Also reporting to the credit reporting agencies is communication. Thus, continuing to report these debt collection accounts are a violation of my federally protected rights.
Consumer complaint received 2023-06-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (AK)

I submitted a request for consolidation along with an IDR plan request ( submitted in XX/XX/2022 ). The consolidation was dispersed but Mohela did not apply the IDR payment plan on the account, they claim it was denied due to missing pages 1-4. The application was submitted electronically so there should have been no missing pages as the request was complete. I attempted to contact Mohela on several occasions but each time they refused to submit the request for review and placed me on hold when asked to be transferred to the supervisor and the hold time was over an hour each time.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

You have denied me for no reason. All reporting agencies have been notified and their response & or complaints are public record and can be viewed by using the information attached. I also contacted them via phone immediately after the denials and was told that EVERYTHING on this report across all bueros is correct and they have or will be updating information if necessary. When I tried to show proof of the errors or decision mistakes I was told " reconsidering is not an option '' " try again in 30 days- 6 months '' " it's a final decision and the results are automated '' " there is no department that can double check '' " the reason is the reason ''. I have proof of everything proving " the reason why '' list to be inaccurate BUT yet I can't even show it to anyone in this company because AI clearly rules it. That is illegal & unjust! I am a PRIME credit candidate and take my time, word, and finances very serious. Denying me without validated factual reason is deformation and a criminal act. I will file Suit if a reconsideration based off the attached report ( most up to date at the time of my application ) is not used in the decision process.
Consumer complaint received 2023-11-15
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. (OH)

This is XXXX 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 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (CA)

Hello. 

Last year. I was having issues by paying my car. 
I negotiated with Merdeces Benz financial the possibility to extend my due date and that cost me XXXX dollars the month extension. 

Then I see on my report a late payment on XXXX that is affecting my credit score 15 USC 1666B ( a ) " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY purpose. '' I contacted them already and they dont want to help me to delete the late payment I want to use this consumer option to delete that from my credit report. 
Thank you
Consumer complaint received 2024-01-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CO)

Credit Coll XXXX XXXX XXXX XXXX, MA XXXX XXXX This collection agency sent me a letter stating I owe {$30.00} from XXXX. I reached out to XXXX directly and they assured me I didn't owe anything.
Consumer complaint received 2024-04-22
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: EQUIFAX, INC. (NY)

I am writing to express my continued frustration and disappointment with the handling of my several attempt to follow up on the correction of late open accounts on my credit file. Despite my persistent efforts and submission of relevant documentation, I have yet to see any meaningful progress in rectifying these errors, which are significantly impacting my creditworthiness and financial well-being. 

Late open accounts on a credit report can have serious consequences, affecting an individual 's ability to access credit, obtain favorable terms, and achieve financial goals. It is imperative that such errors are addressed promptly and accurately to ensure fair and accurate reporting. 

This ongoing lack of accountability and transparency has left me feeling frustrated and disillusioned with your company 's ability to handle this matter effectively. With this, I am asking for your assistance to correct these accounts in my credit file : 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 2023-05-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (RI)

I applied for credit on XX/XX/2023 and was rejected because one of my credit reports was locked so they defaulted to a credit card company ( XXXX XXXX XXXX XXXX XXXX that charges an annual fee, but they did not tell me about the fee when I signed the credit application. I had to cancel the purchase due to medical reasons and when I did they made it sound like the credit account was also cancelled when I cancelled the purchase. That did not happen! 

Just recently I received a letter from the credit company stating there is a {$59.00} annual fee so I called the credit company and closed the account. 

XXXX & XXXX was not upfront about the annual fee. If they had been, I would not have signed the credit application.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15.u.s.u. 1681. 
Account Name... ..XXXX XXXX XXXXXXXX ... Account # XXXX Account Name ... XXXX  ... Account # XXXX ... Account Name.XXXX XXXX XXXX XXXX... Account # XXXX ... Account Name.. XXXXXXXX XXXX XXXX Account # XXXX ... Account Name... XXXX XXXX Account # XXXX ... Account Name ... Dept of ed/XXXX  ... Account # XXXX ... 
Account Name ... Dept of ed/ XXXX .... Account # XXXX .... Account Name... XXXX of edXXXX XXXX .... Account # XXXX ... # XXXX .... Account Name... XXXX XXXX .... Account # XXXX .... Account Name... XXXX, XXXX .... Account # XXXX ... 
Account Name... XXXX XXXX XXXX... Accoun # XXXX Account Name .... XXXX XXXX... Account # XXXX ... .. Account Name ... XXXX  .... Account Name... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
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 1681 C. ( 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 than seven years..

15 u.s.c 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate...
Consumer complaint received 2024-04-22
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. (AZ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-04-22
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: EQUIFAX, INC. (TN)

XXXX, through my paid account, shows the dispute in progress ; however, once I click on each CFPB complaint to each account, they have summarily dismissed my complaints. I want to reiterate, that I filed complaints as to each account and fraud, through the CFPB ; I then filed " identity theft '' and fraud reports with the FTC ; I further mailed each bureau : a comprehensive file that contained copies of both FTC reports ; a letter of dispute on the accounts notifying them of the identity theft and fraudulent affected accounts ; all XXXX letters pertinent to identity theft and fraud, regulations, subsections, etc. ; copies of my driver 's license, SS XXXX, bank statement, IRS 2023 filing, and met all requirements under FCRA Section 605B, FCRA Section 623 ( a ) ( 6 ) and have met my burdens. I want to state here formally, that the CRAs and furnishers, must comply with FCRA guidelines, and have a legal obligation to remove, or block, all accounts theft and fraud-related accounts and information. I am being specific to XXXX due to my history of unethical, unlawful, and discriminatory actions. I as the consumer, filing under the affidavit of complaint, am accountable for my actions and was fully aware before filing with the FTC and CFPB ; that XXXX would attempt to continue with its retaliatory, discriminatory, and unlawful actions. I am so certain, I am providing this complaint before they act. Not to alter the outcome that is already lawfully provisioned, but rather as further proof of the extent to which XXXX will go, and to what measures. 
The CRA, having been provided by the consumer with an identity theft report from the FTC alone, obligates the CRA under FCRA Section 605B to block the fraudulent information from the consumer 's credit report.