davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Adjustment Service, Inc. (NC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2015-10-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (OR)

Hello, I signed up for US Bank checking and savings a little over a month ago. They have repeatedly taken " charges '' out of my account to the point where it has become overdrawn. Even when I have money in the bank they say it is " unavailable '' because I had just deposited it and they placed a hold on it. Yet they would let the charge go through and then charge me {$39.00} each time! I feel they are systematically stealing money from me and probably many others as well. 

Recently I had adequate money in my account yet they charged me with XXXX overdraft charges. 
I am sure they have several disclaimers they hand out when they open accounts but the paperwork is massive and the type is very, very small. I am getting older and my eyesight is n't what it used to be. It is hard for me to read " mice type '' if I can read it at all. 

They need to have their practices audited. Of course I will close my account with them immediately but I can supply you or anyone else with any details you would like. I feel like I have been robbed by these people as they have taken XXXX of dollars from me and refustThank you, XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, the following account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Amount : {$2400.00} The account holder should provide the original instrument of debt with signature that I am a debtee of theirs and I have not received any proof. 15 USC 1681 Section 602A states I have the right to privacy and according to 15 USC 1681eb, they are supposed to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. Because I do not owe XXXX XXXX XXXX XXXX and have never signed a contract of agreement to debt with them specifically, the debt should be removed immediately from my credit report.
Consumer complaint received 2022-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I sent a letter requesting that 3 public records ( bankruptcies ) be removed from my credit report. Also providing proof that the bankruptcy court did not furnish this information to the credit bureaus.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This complaint is against Transunion Credit Reporting Agency. I have tried on recent occassions and as late as XX/XX/2022 to request an update on all eroneous accounts that have been resolved with proof of 1099C filings. I have sent in the copy to Transunion via Certified Mail, and the issue was never resolved or updated. All Credit Profiles on my account are incorrect in outstanding balance, payment history, as well as inquiries ( which violates FCRA Regulations ). 

I had also requested that your agency resolve my concerns and that request was never honored as well. This has caused great harm to myself and my ability to obtain credit in the future.
Consumer complaint received 2017-03-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Texas Guaranteed (CA)

About 2 months ago, I received a phone call from TG XXXX, stating that I owed a {$100000.00} student loan debt I did n't recognize. My name ( XXXX ) is similar to the borrower ( XXXX ), but the address and social security number do n't match the borrower. The rep I spoke with apologized and said they would take my name off the list. 

Today, my employer told me that they received an order / demand letter from TG XXXX directing them to garnish my wages due to this same unpaid bill. I convinced my employer not to garnish my wages because the social security number did n't match. I want TG XXXX to stop harassing my and my employer.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-07
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC (DC)

Since XX/XX/2016 I have been in a fight with AmeriHome Mortgage about them not paying my property taxes from my escrow account. I have received tax bills from XXXX showing delinquent and current taxes owed. When I call AmeriHome they insist there are no taxes due. I have advised them that they had the wrong parcel # ( XXXX ) on my account information and the correct parcel # ( XXXX ) as shown in the documents I signed at closing and as shown on the tax bill. They have been saying for 5 months now they are checking with XXXX Tax office to verify parcel #. At least that is the story I get every time I call or email them.
Consumer complaint received 2023-05-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (ND)

An insurance claim was filed on our barn due to damage from snow load. We first contacted Freedom Mortgage Company on XX/XX/XXXX regarding the insurance check process since the checks were made out to Freedom Mortgage, myself, and my wife. On XX/XX/XXXX we sent Freedom Mortgage Company XXXX checks from our insurance company totaling {$52000.00}. Both of the checks were signed by my wife and myself as directed by the mortgage company. One of the checks stated " For Deposit only '' with our bank account number on it. Instead of sending us back our check that stated " For Deposit only '', Freedom Mortgage cashed our check and held all of our money. Is that not against the law?? 
We have contacted them multiple times attempting to resolve the problem, ( dates including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all from XXXX ). I requested to speak with a supervisor on XX/XX/XXXX at Freedom Mortgage Loss Draft Department and was told one would contact me in XXXX hours, it is now XX/XX/XXXX and I have yet to hear from a supervisor regarding this issue. An inspector came out to our property on XX/XX/XXXX to view the completed work so that he could notify Freedom Mortgage that the work was in fact completed. On XX/XX/XXXX, we received 75 % of our insurance money from Freedom Mortgage via a check. We should have received the full amount back from Freedom Mortgage since the work is complete, but they are insisting our contractor complete a " Waiver of Lien '' form. They refuse to give us the remainder of our money even though the work is complete. 
Due to the length of time this process has taken it has created a financial hardship for us, causing us to have to pay for materials, labor, etc out of our own pocket. We are now coming up on a month of Freedom Mortgage holding our money, which could have been used to pay the contractor or it could have been accruing interest in our bank account, but instead is supposedly being held in our escrow account. If that is the case, then any interest accrued should be mine and not Freedom Mortgage.

This whole process has been nothing but a nightmare. Freedom Mortgage has been extremely difficult to deal with and I am concerned that they are breaking the law by cashing our check when it explicitly states " For Deposit only '' with account number following.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (FL)

I cant remember when I started noticing all these inquires on my account but when I did, I took action immediately by contacting each company asking them to remove these inquires because it wasnt me.
Consumer complaint received 2023-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NE)

Hello CFPB, I hope there is help on CFPB end to the continuing issue I XXXX XXXX, a Licenses Real Estate Agent for over 18-years, am having with the issues listed below : From Number XXXX XXXX ) There is NO language in the DOT or the Master HOA Covenants stating Insurance H06 is a requirement of the Borrower Therefore, this is not a Lender requirement period. Both XXXX XXXX  and XXXX XXXX after reviewing the HOA Covenants agreed that NO H06 Insurance is required. Both two reputable Lending Companies. They did not miss anything it wasnt there. There were discussions about this during the underwriting phases in both cases. 
2 ) PHH Mortgage has violated the Truth and Lending Laws after purchasing a mortgage from XXXX XXXX Closing Lender, and attempting to change the Lending requirement, of which, PHH acted on their own without proof this H06 Insurance policy is a lending requirement. 
3 ) PHH Mortgage has violated sections of RESPA by force placing a H06 Insurance policy by their Insurance company providing them a fee or annual insurance premium of {$460.00} that is not required by the Borrower because the Master HOA Covenants states in Article XI INSURANCE AND CONDEMNATION 1. ( a ) state the unit condos are 100 % covered through the HOA monthly dues and fees etc. 
4 ) Borrower after many attempts with PHH Mortgage to give PHH a better understanding of the HOA condo regime insurance policy, but they refused to cooperate and to this day still does so. This led to the Law Suit. 
5 ) Borrower also submitted a claim with the CFPB Consumer Financial Protection Bureau Complaint Number XXXX due to the fact PHH Mortgage has delayed making the appropriate changes back to the original agreed Mortgage Note from XXXX XXXX. Borrower is going to Re-open the claim or a new claim against PHH Mortgage with CFPB whereas the Borrower is praying for Penalties and Fines against PHH Mortgage within the next 24 to 48hrs. 
6 ) Borrower is seeking a minimum of {$50000.00} if this issue is not resolved in an educated business like and/or professional manor with one week of this notice.
Consumer complaint received 2023-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

They claim that I activated the card that I have NEVER received. I called them to complain and let them know that I did not have a card, they claim that it was activated from my cell phone.IT WAS NOT, NEVER WAS, BECAUSE I NEVER HAD THEIR CARD, Now they have added this to my credit report, and it has drastically lowered my score. I WANT THIS REMOVED AND TO CLOSE THIS CARD ACCOUNT that I DO NOT HAVE.
Consumer complaint received 2023-05-06
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. (FL)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. This block is not being requested in error ; this block is not being requested on the basis of misrepresentation of fact. I, XXXX XXXX, a Federally Protected Consumer, did not obtain possession of goods, services, or money as a result of this transaction.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My wife and I have had deposit accounts, a mortgage, and credit cards with Bank of America for the XXXX years. I am extremely disappointed by the negative impact I am having on my credit. 

I paid off my XX/XX/XXXX balance of {$5600.00} however it appears I was charged interest in the amount of {$34.00}. The interest fee wasnt paid as I thought I had a {$0.00} balance on this account. Once I realized that the bank was reporting me past due for bank the fees I decided I no longer wished to have this account. When I paid the interest fee I asked for my account to be canceled as the agent told me she wouldnt remove the 30 day late off of my credit report. 

Then, in XX/XX/XXXX, I was charged an annual fee of {$75.00}. By the time I realized the bank error, the bank was reporting me 150 days past due and my credit score had dropped nearly XXXX points. In XX/XX/XXXX, the fees and interest were paid in error by my bookkeeper as it makes no sense for me to pay an annual fee for an account that was supposed to be closed.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Late payments are being reported on my consumer reports, although I was never late. According to the Cares/Heroes Act effective XXXX preventative measures were supposed to be taken to keep my credit scores from being ruined by preventing adverse information from being added to my consumer reports, and preventing credit score furnishers from creating and/or implementing new credit scoring models that would lower my existing consumer credit scores during the Covid-19 pandemic. This information has defamed my character, because it is derogatory and causing me mental anguish, sleepless nights, and preventing me from obtaining credit. please see attachments
Consumer complaint received 2017-04-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (TX)

I just wanted to confirm that this account will be deleted from my credit bureaus. It seems like my last request got sent with the last 4 of my social but in my husband name. 

Thanks.
Consumer complaint received 2023-02-15
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: EQUIFAX, INC. (TX)

I submitted a letter to the 3 Credit Bureaus On XX/XX/2023, to update this suspicious information. I think you have not validated these accounts, This was already included in my prior COMPLAINT, and I'm including it again. 
Please verify these accounts as soon as feasible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-30
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. (TX)

I've never paid attention to my credit, and recently I signed up for a credit monitoring site and noticed my information has been comprised. I never used my credit before but now. I want to start utilizing my credit. so please remove this incorrect information from my report. I have no knowledge of these accounts nor have I tried to open these accounts. I have disputed this account information as inaccurate with them, and they have failed to respond to me, and its been over 60 days 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (OH)

The US bank charged me two late fees of XXXX dollars total on a balance of XXXX cents. I had called to get a late fee reversal, and on XX/XX/XXXX they reversed a fee of XXXX dollars but left a fee of XXXX cents that I thought was also included in the reversal. I was not charging that card and thought I did not need to make a payment. Now I have two late fees of XXXX dollars due on my account.
Consumer complaint received 2023-02-28
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. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX : {$9800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX - ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

Year XXXX XXXXXXXX I called them to have them correct the reporting they said they couldnt do anything. I told them the representatives told when setup agreement that they would make any late payment report as on time. They said they couldnt do anything once the agreement was met.
Consumer complaint received 2023-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-28
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. (NJ)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that the disputed items will be corrected or deleted as soon as possible : 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 2022-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (DC)

I have my mortgage payments paid automatically through my checking account. In XX/XX/XXXX, TD changed the monthly payment amount, and when my payment was made in XXXX, the automatic payment was off by XXXX dollars from their increase. When I received a call from TD about this, I made the adjustment, I was charged XXXX fees for the XXXX dollars variance that was clearly an accident. I was told be the agent over the phone that it would be refunded, that I had a very healthy account and there are never issues. In fact, I regularly overpay the mortgage rather than underpay. We also discussed having TD do the automatic withdrawal rather than me setting up the auto-pay. 
When I followed up with the branch having not see the late fee drop, I was told the request was denied because I had a late fee refunded for a very similar issue back in XXXX. I do not remember this happening then, but if TD says it happened, it happened. I won't argue with that, however if the delta was XXXX, which mean I paid 99 % of the balance, and I am fined XXXX on something accidental, this is quite absurd and lack common sense.