davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a loan with XXXX XXXX XXXX XXXX I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( XXXX ) credit reporting agencies & they too are withholding any verifiable proof, XXXX, XXXX and Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX, XXXX and Transunion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/18 Balance : {$0.00}
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-13
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. (WI)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I am writing to bring to your attention the presence of inaccurate information in my credit profile, specifically pertaining to my accounts with XXXX XXXX, XXXX, and XXXX and XXXX. I have attached supporting documentation to substantiate my dispute and request a thorough investigation and correction of these discrepancies. 
I kindly request that the Consumer Financial Protection Bureau initiate an investigation into these matters, review the attached documents, and take appropriate actions to rectify the inaccuracies in my credit profile. Additionally, I request that you notify the respective credit reporting agencies to update my credit information accordingly.
Consumer complaint received 2023-05-11
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)

This is my numerous request that you amend this suspicious data. 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 mentioned in my previous COMPLAINT #, and I include it again. Please don't ignore my request to repair or remove these inaccurate items from my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IL)

My original mortgage loan was transferred to Bay View Loan Servicing in XX/XX/XXXX, though I never asked to be transferred. Nothing but a horrific nightmare with Bayview to say the least. 

After much correspondence and an in person visit, there are still issues with my loan. 
Payments have been severely misapplied, even with direction as to what a Principal ONLY payment is, not interest or escrow. 

Bayview Loan Servicing changed its name to Community Loan Servicing, LLC in XXXX. My mortgage payments have been paid on time, before the due date. I've also paid more than the monthly amount due for over three years.

Bayview Loan Servicing is recorded on my property deed as of XX/XX/XXXX, and the company has not recorded anything else since that time. 

My mortgage loan was transferred to XXXX XXXX  XXXX XXXX XXXX effective XX/XX/XXXX. XXXX XXXX  XXXX XXXX XXXX is not recorded on my property deed as of XX/XX/XXXX at XXXX XXXX. 

On XX/XX/XXXX, I requested by phone to have my escrow account closed so that I can pay my property taxes and insurance myself. I was informed that my escrow account would be closed. On XX/XX/XXXX I received a letter that my PMI account could not be closed because I did not have one. I never requested information about PMI, only to have my escrow account closed. 

On XX/XX/XXXX I paid my XX/XX/XXXX Principal and Interest Only payment via online bill pay to Bayview Loan Servicing as I have done for over three years. Per a representative of XXXX XXXX  XXXX XXXX XXXX, they did not receive my XX/XX/XXXX payment. 

My XX/XX/XXXX Principal and Interest Only payment was made to XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX. 

My XX/XX/XXXX Principal and Interest Only Payment was made to XXXX XXXX  XXXX XXXX XXXX, by money order ( dated XXXX XXXX ). The payment was mailed to and received by XXXX XXXX. The money order was also cashed. 

My payments have been very specific as to what amount is to be applied to Principal and Interest ONLY and what dollar amount is to be applied to Taxes and Insurance ONLY. 

Currently, I'm being harassed by XXXX XXXX XXXX XXXX XXXX, with threatening correspondence that my mortgage is behind. Repeatedly, I have requested that my escrow account be closed, due to the fact that Bayview Loan Servicing aka Community Loan Servicing, LLC consistently misapplied my mortgage payments. 

Bayview Loan Servicing has caused nothing but undue stress from the beginning in XXXX, now I have an even worse company, that is not recorded on my deed, attempting to unnerve me to my core and fraudulently take my home.
Consumer complaint received 2023-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (SC)

In XX/XX/2023, you contacted American Express to inquire about increasing your credit limit. After a lengthy conversation, you decided not to go through with the increase due to the complexity of the process. However, 14 days later, American Express sent you the necessary documents to increase your credit limit, which you did not submit. Despite this, American Express still processed the credit limit increase, which resulted in a change to your credit card number and a decrease in your credit limit. 

You are now concerned about several issues : -The new credit card number that you did not request, and whether any charges on this card belong to your old card. 

-The fact that your old card is now unusable, despite American Express stating that it would still work. 

- The unreasonably low credit limit by the fact I never use it. 

If any of this information is incorrect, please let me know and I will be happy to clarify.
Consumer complaint received 2022-12-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TRUIST FINANCIAL CORPORATION (AR)

A month after I purchased the car my radio screen went out as well as my battery, not even two months after I had to buy a new set of tires and now at almost a year of my loan my car is having more and more problems!! The problems after the first month were addressed at that point and time and the dealership advised there was nothing they can do and they would not let me out of the car, the sales man that sold me the car quit along with most of the staff involved. Im now stuck in this car that has less that half the value Im paying for it XXXX XXXX In XXXX, AR
Consumer complaint received 2024-04-11
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. (GA)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must update to correct as paid on time. 


Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences those accounts tag as billing error are inaccurate late payment history should be updated to paid on time as it is in multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And charge off accounts that is tag or labeled FDCPA Section 807 Violation Misleading False Reporting should be deleted and collection account Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately.

a copy of which is enclosed which states that this information must be removed within four business days of receipt, Including inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. should be deleted in the credit report I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-06-16
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)

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.

The letters are stated with items and issues.

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 2023-08-23
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 — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA (NV)

This car was involved in a horrific accident that was not my fault. I was never advised that after the insurance company paid off the car that the balance needed to be paid within 90 days. There were payments made monthly of {$700.00}. A check was sent for {$1300.00} ( balance ) at the end of XXXX. They did not receive it or post it till the second week of XXXX. When I realized they still hadnt cashed the check, I called and made the payment over the phone but they had just reported that it was charged off. They gave me no notice, nothing! My credit score has tanked because of this and I had a great credit score that I worked hard to achieve. Hyundai refuses to do anything to help. It shows paid but it is still affecting my credit. I have a lawyer for the accident and will be willing to provide whatever you need. They also cashed the check after they received the payment over the phone and will not return it for 3-5 weeks!! This is unacceptable! Please help me fix this mess. I am still recovering from this accident and this all seems very unfair.
Consumer complaint received 2017-07-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NC)

I wired {$7000.00} to my coinbase account on XXXX/XXXX/XXXX. The money was supposed to arrive the same day. I contacted customer support several times and received no response. It has now been a week, my money has never shown up, and I have still not received a response from their customer support.
Consumer complaint received 2024-07-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (AZ)

As far as dates go I wish I would have kept a call log for all the time 's that I called the Bank and spoke with the Customer Service department at Citibank including there fraud department. Supposedly I was the one committing fraud, but they failed miserably to provide any evidence of my money making fraudulent activity. Blows my mind! They are going to be sued eventually because I will not forget this for the rest of my life. I don't trust Bank 's anymore. They have no accountability to anyone except the federal government. The government doesn't do XXXX to the Banks, but I know someone who is the KING of all the Nations who will do something for me very soon. They better pray I don't get my hands on a XXXX XXXX XXXX because I will make it my personal business to XXXX Citibank over for good. I told them this on recording so be sure and let the record show that I don't give a XXXX and I will be {$30000.00} richer just because I can. Let 's see a case in court my way. I don't think they could prove it was me unless they had the brain 's to look into someone's digital fingerprint. We aren't that smart yet probably. We are slow in the United States until the problem is to big and then the government is so XXXX they wouldn't know where to start anyways. Ask me if I care? XXXXXXXX XXXX! I want my money and I appreciate the wonderful people at Consumer Finance that they do their jobs. If not for y'all I would just be XXXX. This is the reason why I plan to make CitiBank go out of business real soon. I'm going to tell you that the XXXX is with me so come lock me up if you want to and watch the fear of the XXXX come back to this XXXXXXXX XXXX Nation. The whole United States is about to wake XXXX  XXXX up. XXXX XXXX is XXXX! Watch and see!
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: BARCLAYS BANK DELAWARE (NY)

Background : Barclays JetBlue credit card typically sends convenience checks over the mail. I never used any of these checks and discard them right away. 

On XX/XX/year>, I got a notification that a {$4000.00} convenience check was charged on my Barclays JetBlue card. I immediately contacted Barclays support about the situation hoping that they would cancel the pending transaction because it was not me. The representative said they can not cancel this charge, but they will raise an investigation case for fraud. I was informed that this process will take not more than 2 billing cycles and I will receive a mail as confirmation I did not receive this mail. After this call, I immediately froze my credit card. 

I called again on XX/XX/year> asking for updates since the transaction has posted and I have not heard anything from Barclays. The representative wasnt able to find my first case and filed a new investigation case. They said my account would be credited for {$4000.00} in 2-3 business days but my balance is still there and collecting interest as of today ( XX/XX/year> ). On the same call, I also asked them to also stop sending me convenience checks. A few days later, I received a letter informing me that a fraud investigation is underway. 

It has been more than 2 billing cycles since I filed the first case and still have not gotten any updates or resolution from Barclays. I contacted them while the charge was still pending and they decided not to take action. 

I have paid the minimum for the credit card bill to avoid a late payment on my record. First payment was {$49.00} and second payment was {$51.00}
Consumer complaint received 2023-06-16
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. (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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

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

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

Also they are not even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-02-17
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

On or about XX/XX/XXXX XXXX we received a check from Wells Fargo in the amount of {$50000.00} ( see letter from Wells Fargo. 

On of about XX/XX/XXXX we informed Wells Fargo we didn't own or have any knowledge about the property related to this check. ( Wells Fargo case # XXXX On or about XX/XX/XXXX we received a replacement check for the same amount. 

On or about XXXX XXXX we informed Wells Fargo ( again ) On or about XX/XX/XXXX we received a IRS form 1099 from Wells Fargo which I assume is related to the previously issued check.. 

On or about XX/XX/XXXX we notified Wells Fargo this 1099 should not have been issued. ( Wells Fargo case # XXXX. 

Wells Fargo to date has not taken any action regarding this matter, and we can not file out federal taxes before this is resolved.
Consumer complaint received 2024-04-05
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. (NC)

The Family Educational Rights and Privacy act ( FERPA ) which protects the privacy of student education records, 20 USC 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping which has an abundance of information about handling the releases of education records which includes transaction history - including loan amount. Equifax, XXXX nor XXXX is suppose to have this information. I did not consent, I do not consent. and the Privacy Act of 1974 Covers this non public information as well from be given to 3rd parties and or non affiliates.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.