davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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
Consumer complaint received 2023-09-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: ALLY FINANCIAL INC. (PA)

I had a 5 year CD at Ally Bank that matured on XX/XX/XXXX. I did not want or agree to have this CD renewed. Ally Bank automatically renewed this CD for another 5 years through XXXX so they have locked up my money instead of transferring it to my savings account. Ally Bank wants to charge me a {$150.00} fee to get my money from the CD maturity transferred to my savings account.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION (FL)

To whom it may concern : The right to contest my credit report is something that every American has. 
In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I am exercising this privilege. I understand the nature of these proceedings - it's not just about whether or how much money was owed ( although we will explore both ), but also what kind of debt load can have on your life if they're left unchecked! The report-ability of any derogatory and or delinquent act is oftentimes questionable. I challenge this notion as I do not believe in reporting something unless there's factual documented proof to support it. You must report compliantly and accurately per federal and applicable reporting laws of my state. It is unlawful and unethical to retain any information which you know or should know does not comply with regulations. This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and in compliance with XXXX XXXX format reporting standards. 
I request that you validate with physical ( in writing to me as a response ) verifiable proof of permissible purpose for any of the alleged delinquent/derogatory accounts allegations of inquiry ( ies ) .Thankfully, I'm giving you 30 days to complete your investigation into the validity of this claim. If it's current and compliant with regulations then we'll leave things as they are ; but if not - well... I demand that you remove them from reporting ( my credit report ) immediately. I request that you send me physical documents proving your action ( s ) and my updated personal credit report following any correction ( s ). The following items appear questionable in reporting! Please ensure that each item below is accurate, reporting compliantly, completed and timely being reported or DELETE immediately.
Consumer complaint received 2023-08-08
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-06
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Hunt & Henriques (CA)

company officers are showing up at my door step as early as XXXX and as late as XXXX at night. This hunt and henriques debt collector is out of control on XX/XX/2023 at XXXX person XXXX XXXX XXXX yells at my door that he want {$1200.00} in cash that i owe a debt to him, but when I ask to see the signed agreement He starts to kick the front door. I have the neighbors as witnesses. I told the fellow that not to bother me. The same guy XXXX XXXX XXXX shows up again on XX/XX/2023 at XXXX demanding that i must pay him {$1200.00} dollars that I'm also a winner of a cruise and to collect the prize i must pay him {$1200.00} dollars. he claims he works at hunt and henriques out of XXXX XXXX California. I'm very afraid to answer the door. I am a senior citizen. Please help me. I feel I'm taken advantage by demanding that I pay for something that has nothing to do with me...
Consumer complaint received 2023-08-08
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved 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
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

According to 16 CFR 433.1, 433.2, 433.3, creditors are not allowed to report anything on my credit report unless I specifically authorized. 

I hereby OPT-OUT of any/all reporting by any/all credit reporting agencies and creditors, effective immediately and will be forwarded by CFPB. 

These reporting agencies are abusive and will NOT comply with recent requests/demands. Therefore, I revoke/rescind and/all of their privileges with respect to my credit report.
Consumer complaint received 2023-08-08
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-10
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. (FL)

Account # XXXX company name XXXX. Reason reporting late payments on my consumer report is in violation of my consumer rights. 15usc6801 15usc6802 Consumer reporting agency name : experian
Consumer complaint received 2023-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (CO)

Arvest assumed my loan from another processor. They appear to have intentionally instituted practices that make it arduous to process payments on a regular basis. From the moment that they bought out the loan, their communication was lax and forced all efforts and time required to re-establish ongoing and recurring payments on myself. I attempted to establish a recurring payment with them but their processes have made that nearly impossible. I have three homes. I have two other loans that have been sold multiple times. I have never before been late on a payment. This is the first time that I have experienced such horrible practices. Due to them, I was late by 37 XXXX days on a payment. I had NO idea this was outstanding. NONE. They have been terrible. I would love to switch loan processors but of course I can't. They then reported me to the credit reporting agencies because they failed to tell me their was a payment they didn't receive. I will never do business with them again.
Consumer complaint received 2023-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my deep concern and frustration regarding the several presence of late open accounts on my credit report. I have recently discovered these inaccuracies and demand immediate action to correct this issue. 

Upon reviewing my credit report, I noticed that there are late open accounts listed, which are erroneous and not representative of my financial history. I believe this is a severe error that must be rectified as soon as possible. 

I request the following actions to be taken immediately : An immediate investigation of the late open accounts. 
Prompt correction of these inaccuracies from my credit report. 
A formal, written explanation of the corrections made to my credit report. 
I understand the importance of an accurate credit report, and these inaccuracies are affecting my financial well-being. They have the potential to harm my credit score and hinder my ability to access loans, credit cards, and other financial services. It is my right as a consumer to have a credit report that accurately reflects my financial history. 

I trust that you will treat this matter with the urgency and professionalism it deserves. Please acknowledge the receipt of this complaint within 15 days and inform me of the steps being taken to resolve this issue. Please assist me to correct these late open accounts in myu credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collections Acquisition Company, Inc. (TN)

Debt collection hit my credit in XXXX affecting the score. I reached out to the original debtor and was told it was race betting organization. I do not gamble at all! They told me they did suspect fraudulent activity. So they suggested me to get police report, which I did, and an investigator will reach back out to me. 

XXXX XXXX # XXXX Police report XXXX
Consumer complaint received 2023-02-24
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 — Problem with personal statement of dispute
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

On XXXX XX/XX/2023 Carrington Mortgage received {$1100.00} from my bank and deposited the money in their account but they put the amount on hold. The hold was because a discrepancy in the escrow account due to the H06 insurance increased. The correct amount was {$1200.00} therefore, there was a discrepancy of {$110.00}. I never received any e-mail or mail regarding the discrepancy to get my attention. They said they tried to call me, but because the many unsolicited calls I get from Carrington my phone system might have blocked the call.

I would like to point out that Carrington DO NOT send statements via e-mail or mail. They only send an e-mail with a link saying that documents are available online and do not show any amounts which would have gotten my attention. 

On XXXX I went into the website and I realized that the amount had change. I immediately contacted Carrignton and the agent told me to pay {$230.00} ( two months ) to bring the account current. He said to go to the site and pay it, which I did. However, instead of taking only the {$230.00} for the escrow difference the site took {$2700.00}. Which is 2x the {$1200.00} + {$230.00}. I realized this when I got the confirmation e-mail.

Since then I have been calling Carrington to get my money back to no avail. Please remember that they already had the {$1100.00} from XXXX payment. So in total Carrignton Mortgage took from me {$3800.00}. They apply these funds without consulting me and posted on the web portal that my account was paid until XXXX. 

However, the real injury is not that I'm out thousands of dollars but that Carrington also reported my account as delinquent. I had excellent credit before this fiasco but the late payment report took XXXX XXXX  from my score. This will greatly affect many areas of my financial life and the ability to get a fair deal on loans for the next 3 years.

This is totally unfair because there was not LATE PAYMENT. I have called several times and I have spoken to a supervisor and they keep saying that the late payment is correct and there's nothing they can do. The system is designed on their favor
Consumer complaint received 2023-07-19
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. (GA)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (IL)

I'm paying close to the next payment date but always pay it before a 30 late can be done. But they keeps reporting me thirty days late. I have the info that would always show I have never been 30 days late. When I call in the personal even state that I never been 30 days late. I have my payment records that would show I have never been 30 days late. M bank is XXXX XXXX XXXX XXXX. These late payments needs to be removed. Also my account has been moved around which I do not understand why. My account was with XXXX XXXX.This company is trying to destroy my great credit rating. I need help I have all records to confirm everything about my account. Also I added an item that had a promotion
Consumer complaint received 2022-10-25
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. (SC)

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 2024-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Since XX/XX/year>, there was unauthorized transactions that were which lead to XX/XX/year>. The total amount for these transactions {$3200.00}. One transaction from this claim was only approved for an amount of {$1.00}.
Consumer complaint received 2022-10-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: OneMain Finance Corporation (TX)

I have a vehicle loan through One Main Financial. My payments are usually made automatically via XXXX. On XX/XX/XXXX I made a payment online for {$610.00} prior to my due date. On XX/XX/XXXX upon checking my accounts there was an additional {$610.00} that was withdrawn due to the automatic payment not being caught by One Main 's System and canceled by the payment already made. I called that Monday and was told to send a bank statement showing the two transactions that were made for a refund of {$610.00}. The representative stated that I would need to call to cancel the automatic payment as their system does not read that information. NO WHERE listed on their site does it state that. If I had known that or if that had been information that was available to ALL consumers I would have called. I was not given that option and am still awaiting a refund of {$610.00}. I sent in documentation as specified on XX/XX/XXXX was told on XX/XX/XXXX when I called to confirm the status of the refund and ensure what I sent in would suffice I was told it should take another 48 hours to complete and my refund would be received via XXXX. As of XX/XX/XXXX I still do not have my refund. And when I called to check the status I was told TODAY that the document was rejected. The document was from my bank, listed, my name, One Main 's name, and the amounts that were deducted. I was told to send in a bank statement however, like ALL financial institutions statements are not generated until billing cycles are done on a monthly basis and mine won't cycle until next month. I can not wait that long. Requiring a consumer to do such is unethical. Not listing all information on payment websites is predatory.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

This is a notice requesting Bank of America provide a privacy policy that complies with section XXXX of the XXXX XXXX XXXX XXXX, along with opt-out options consistent with XXXX of the same act.
Consumer complaint received 2023-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
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)

I am so stressed and so disappointed that this is happening to me and my credit report. Not only is it very embarrassing, it is clearly either your fault or the company 's fault for reporting this inaccurate information. Remove late payment annotations and update to paid now or as agreed.
Consumer complaint received 2023-04-11
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ASSOCIATED BANC-CORP (MN)

On XX/XX/XXXX I had an appraisal done on my home as I want to get out of paying my monthly PMI on my mortgage. I know recent comps in my neighborhood have sold well above $ 400K so I feel it was a good time to have this appraisal done because I feel I have the required 20 % equity to remove monthly PMI. I found out on XX/XX/XXXX that my home ( which has more sq. footage, just as many bedrooms & bathrooms, and sits on more land ) came back $ XXXX less than a house that just sold a couple months ago that is in the same Cul de Sac.

I feel the bank ( XXXX XXXX ), insurance company and appraisal company ( XXXX XXXX XXXX XXXX ) are working together to devalue my house to ensure that I have to continue to pay monthly PMI.