davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-17
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. (PA)

XXXX report late payment which didn't occur, without providing the option to opt out of that information reporting to a non-affliated 3 rd party prior to them reporting it in a court with 15 US CODE 68 0 2 XXXX must provide me with documentation of this and proof of my consent which is also a violation of 68 0 3 and 15 us code 68 0 1 Also, code 15 usc 1666 and code 15 usc 168 1 81 b when information is inaccurate as it is reported Payment history guide 60 days past due as of XX/XX/XXXX, XXXX XXXX 30 days past due as of XXXX XXXX, XX/XX/XXXX Moreover, late payments are transactions per 15 us code 1681 : any report containing information solely as to transaction experience between the consumer and the person making a report, this code that transaction are not included in a consumer report
Consumer complaint received 2023-03-27
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. (MO)

I am lodging a complaint with the CFPB to challenge the presence of fraudulent entries on my credit report. In line with the Fair Credit Reporting Act ( FCRA ), I am entitled to request the removal of any erroneous, deficient, or unverifiable details from my credit file. Upon scrutinizing my credit report, I came across multiple fraudulent items that were not authorized by me, and hence should not be included in my credit file. I hereby request for the removal of the following items from my Credit File as soon as possible, in compliance with section 605b of the Fair Credit Reporting Act : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX XXXX Balance Owed : {$820.00} XXXX XXXX Balance Owed : {$390.00} XXXX XXXX XXXX Balance Owed : {$74.00} XXXX XX/XX/2021. I have reported the fraudulent activity to the appropriate authorities and provided all necessary supporting documents. I urge you to investigate this matter and expedite the removal of these fraudulent items from my credit file.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2022-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WV)

During the housing boom of the early XXXX. I received a loan from Wells Fargo one year after discharge from bankruptcy. It was high pressure to get a new loan. 
I have paid XXXX. Dollars for 17 years now. The house was purchased for XXXX XXXX, in 2005. My wife made the payments. It was only after they threatened foreclosure for lack of payments. When Im reality she had written the wrong account number. Wells Fargo refused to even look for them. So at this point we filed bankruptcy again. 
The entire reason was when we were finished paying the house would be paid off. No Im fact we paid an additional XXXX XXXX only to heave a higher payment out of bankruptcy. So I have paid over XXXX XXXX for a house that I still owe XXXX XXXX dollars on. Its basically beyond repair. Im stuck with a house and loan I have literally paid for almost 3 times now. What recourse do I have?
Consumer complaint received 2022-12-22
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. (MA)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3600.00} ), XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1800.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5800.00} ). Its been over XXXX days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I called customer service to inquire about changing credit card products. In doing so they read me the terms and they said they hold the right to remove my rewards points but didn't state under what conditions. I asked before proceeding if in my case the rewards would be reduced and the agent answered that no my rewards would not be removed. I made my decision to move forward with the product change based on the agent 's response. It turned out the agent 's information was incorrect and deceptive. A few days later Amex drained my rewards point balance by XXXX points. I informed them I made my decision based on the agent 's clarification following my question. I believe this is an unfair and deceptive practice and the agent 's answer to my question is what led me to the decision I made to switch products.
Consumer complaint received 2022-12-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (OH)

I am requesting that you validate the information on my report with all original documents including payment history and original contracts. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be validated.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (FL)

I was notified by Citi bank that my funds have been frozen and that they are terminating my relationship with the bank and would not give me a reason. They told me that the process will take 30 to 60 days and then they will send me my funds by u.s. mail. All of my money is in their bank and I have no way to pay my rent or to buy food. I need my money as soon as possible since my wife of 30 years died last month and I have countless medical bills to pay, and I'm having to deal with the grieving process. I don't need the bank, but I do need my money as soon as possible, all I have is the money in my wallet. By the way, the bank is Citi bank, and this can't be legal. It also shows a lack of integrity and a lack of morals. In God 's name, Please help!
Consumer complaint received 2024-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello i recently look to my credit report and i was shocked to see that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent information harm my credit report. 
XXXXXXXX XXXX : opened XX/XX/2022 XXXXXXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX : Fraudulent Charges {$29.00}
Consumer complaint received 2023-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (WA)

Received update escrow analysis that notified us our escrow had a major shortage, over {$1900.00}. First rep I called week of XX/XX/XXXX said that Flagstar Bank had only been collecting XXXX cents a month for our flood insurance. {$1.00} for the whole year in the escrow account. This makes no sense as we have always had flood insurance on the property. Now, we are in a situation where we are surprised by the huge jump in monthly mortgage payments. The only communication I received about {$1.00} flood insurance was on the XXXX  escrow analysis. However, it was in small print and not easily identifiable. 

I spoke to a rep in the insurance area, XXXX, as that is who the first rep recommended I talk to about the lack of communication. I spoke to XXXX and he could not see the escrow information so I ended up talking to XXXX in Escrow. 

I believe the lack of communication about a major underfunding in escrow is unacceptable. Flagstar bank refuses to take responsibility for their mistake of only collecting XXXX cents a month for the entire year for flood insurance. I do not believe we should have to pay this bill because it is in the past. It is not our fault they did not collect properly.
Consumer complaint received 2017-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

Navient recently took over servicing my loans from XXXX. XXXX has always handled my loans as XXXX separate loans with different payment schedules. The prior servicing company, XXXX Bank, did the same. XXXX of the loans is subsidized and XXXX of the loans is not subsidized. I have always paid the XXXX loans at different paydown rates, paying down the principal on XXXX loan much faster than the other loan so that someday I would have a reduced payment by only having XXXX of the XXXX loans to pay. Navient 's new payment scheme will combine the loans into XXXX and make it impossible for me to accelerate the payments on XXXX of the loans by itself. Since I am XXXX years old and owe {$100000.00} total, I had always planned to pay off the loan that is now smaller ( due to my accelerated principal payments ) before I retired and started collecting social security. At that time I will not have enough money to pay both loans at the current payment if both loans still exist. This is dishonest, unethical, and I think it is a violation of the original terms of the loan, but Navient so far has refused to send me a copy of the original promissory notes ( I signed XXXX each year I was in school ) and instead insists there is only XXXX promissory note. That is not true.
Consumer complaint received 2023-06-01
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: WELLS FARGO & COMPANY (MD)

Please Delete these hard inquiries on my credit report I did not try to open these accounts and it is negatively affecting my credit score thank you for your time and consideration. 

Wells Fargo Bank XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

I previously contacted nissan motors about them sending me information on the XXXX  XXXX XXXX but they have not be very helpful. I submitted a complaint with CFPB and they went on my XXXX  credit report to duplicate the XXXX XXXX account on my credit report. they are duplicating the same account on my credit report twice
Consumer complaint received 2023-06-01
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: Army and Air Force Exchange Service (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report. I have placed multiple disputes and complaints, and police reports with these companies, but these companies continue to show neglect by refusing to remove the accounts. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items. If the accounts are not removed a federal charge will be filled against the following companies " XXXX ", " MILITARY STAR ", " XXXX XXXX XXXX. This charge may lead to a lawsuit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Washington XXXX DC XXXX https : //www.justice.gov/atr/citizen-complaint-center
Consumer complaint received 2022-12-08
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. (TX)

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THESE UNAUTHORIZED HARD INQUIRIES ON MY CREDIT REPORT WHICH IS HINDERING ME FROM GETTING APPROVE FOR MY NEW HOME PLEASE HAVE THIS RESOLVED AND REMOVED ASAP.
Consumer complaint received 2023-06-01
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: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I was injured at work in XXXX and I was exposed to chemicals in the job. My XXXX had XXXX and had my half my XXXX XXXX. All this was workers compensation, workers injury. It's illegal to bill a worker if the injury is work related this law is found in California section 3751B. They are aware this was injury at work. I was billed illegally and they have been sent to collections. I have already disputed these inquires with the credit bureaus and they still are billing me. Protection from surprise medical bills This means consumers with health insurance generally wont be responsible for balance bills or out-of-network cost-sharing. If it passes the statues of limitation they shouldn't bill me. 
Deleted illegitimate collection ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX - {$80000.00} ) This item was Deleted from my credit thank you ; However this same company also made a total of 3 Hard Inquires as a DEPT COLLECTION AGENCY on my credit report on ( XX/XX/XXXX ) OIS RASH CURTIS AND ASSO ( XX/XX/XXXX ) OIS RASH CURTIS AND ASSO ( XX/XX/XXXX ) OIS RASH CURTIS AND ASSO I am requesting once again that these HARD INQUIRY COLLECTION AGENCY items also be removed from my credit report since they should not be on there. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-06-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MD)

On XX/XX/XXXX, I called my loan servicer and requested a refund of payments I made on the account and explicitly discussed that only those payments that can be refunded to me -- - I did not want them to send them back to my employer. 
On XX/XX/XXXX, my employer told me that they received a check from my loan servicer that mirrored what they distributed back in XX/XX/XXXX and that they could not give me the payment, but they would cash the check and credit it to the Agency 's funds. 
On XX/XX/XXXX I spoke with a Customer Advocacy Supervisor about this issue. They revalidated that this is in fact their error and that payments were only to be sent to account holders. She didn't have the ability to cancel the check in question, but she would try to send a letter to my employer explaining what happened, requesting that funds be sent back. 
On XX/XX/XXXX I spoke with a Customer Advocacy Supervisor about this issue, they reaffirmed that they mailed a letter to my employer on XX/XX/XXXX and that I should call back if this is not resolved by the 2nd week of XXXX. 
On XX/XX/XXXX, I spoke with a Customer Advocacy Supervisor about the issue, they reaffirmed that a letter was mailed to my employer on XX/XX/XXXX ( but my employer never received such letter ), and that she would personally draft me a new letter and it will arrive in 3-5 business days. 
On XX/XX/XXXX, I received the letter to give to my employer and they are contemplating whether or not they will release those funds that were returned. 

How is this possible? I asked for a refund of payments I made to the account and verified that I did not want any payments to be sent to my employer and that if they would be to " not '' refund those then. The loan servicer did not listen and sent the money to my employer. The loan servicer is trying to hold me accountable for the balance. That balance will begin accruing interest. This all benefits the loan servicer to my detriment. How is this legal? The loan servicer did not have me sign a single thing. I have a phone conversation request for this and it is costing thousands of dollars. Please help investigate this matter since I have no other recourse. I am at the mercy of my employer " choosing '' to remit payment back to the loan servicer, and the loan servicer is trying to hold me accountable for funds they illegally sent to someone who is not me. Thanks.
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (CA)

My complaint is about US Bank Focus Card. This is a payroll card instrument provided by the US Bank. I am unable to get my money out of the bank because of the following reasons : 1. When I go to the branch, they are unable to help me. They can't see the balance on it, nor can they disburse money per my request. They are telling me that the only way is to use their ATM.

2. When using an ATM, it is limited to only {$1500.00} per 24-hour limit. And the timing is controlled. If I made a withdrawal at XXXX PST, I have to come back the next day after that time or get rejected. 

3. The only customer service number provided by the branch is the one on the back of the card. It is stated that this is a 24/7 number XXXX. I had dialed that number over 50 times at this point, including XXXX XXXX XXXX XXXX XXXX XXXX, and so on. It makes you jump through the hoops only to disconnect you after a few tones with an automated system telling you that there are too many callers. At XXXX XXXX? Such a lie! 

4. Website is not letting me do anything with my money either! I can't transfer the money anywhere, and being forced to open a checking account with them is the only option. I don't need their checking account. I already have one, and I am set.

5. I feel that earned money is being held hostage by this banking institution which is a form of theft. They are making an interest on my funds daily, and I am forced to keep running around trying to extract my money!

Please help me.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with was never late! I have had exceptional payment history witHXX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681XX/XX/XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports