davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

Experian will not allow me to cancel my subscription. I signed up for a free trial. I was billed once. I then tried to cancel it. It appeared to be cancelled. It was not. I then got a new card- and they will not stop trying to pull money from the old account. I get emails and text notifications. They will not stop. I try to go to their web page to cancel- it won't even let me get to a page now to cancel- just a page to update my payment information. I do not want to use this service. It's borderline harassment at this point.
Consumer complaint received 2022-11-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERICA FIRST FEDERAL CREDIT UNION (AZ)

Two days to closing and we still haven't received XXXX XXXX - Credit approval, nor had a Closer assigned. I don't know what they're waiting on/for. The appraisal came back on XX/XX/XXXX. Closing is on XX/XX/XXXX. Two months since the purchase contract was signed on XX/XX/XXXX.
Consumer complaint received 2021-12-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I went and opened an account with XXXX XXXX. I opened two different accounts and learned that they closed our relationship. I was contacted by the bank and they have alerted me that there was an Bank of America account opened in my name. I have never opened or tried to open an bank of America account.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX/XXXX  Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2024 Please remove it from my credit report.
Consumer complaint received 2022-12-22
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)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (GA)

I am writing to file a complaint against Discover Bank for unjustly denying my recent claim for fraudulent charges on my credit card account ending in XXXX. Despite providing substantial evidence of the fraudulent transactions to both the bank and the XXXX Police Department, Discover Bank denied my claim, citing that the card was used with the chip and/or PIN entered, and thus implying that I was responsible for the charges. The fraudulent transactions occurred on XX/XX/2023, and I reported them to the XXXX Police Department as part of a financial fraud investigation ( Case No : XXXX ). The total amount of the unauthorized charges on this account is {$450.00}. A detailed list of these transactions has already been submitted to the XXXX Police Department for investigation. According to the Fair Credit Billing Act ( FCBA ), I am protected from liability for unauthorized charges on my credit card account. The FCBA limits my liability to {$50.00} for unauthorized charges, and many credit card issuers, including Discover Bank, have a zero-liability policy for fraudulent charges. Despite this legal protection, Discover Bank denied my claim and decided to remove the temporary credits applied to my account. I kindly request the Consumer Financial Protection Bureau to intervene in this matter and investigate the unjust denial of my claim by Discover Bank. I believe that the bank 's decision to hold me responsible for the fraudulent charges, despite the evidence provided, is in violation of the FCBA and the zero-liability policy. Please find the attached documents for your reference. I am willing to provide any additional information or evidence required to support my complaint. Thank you for your attention to this matter.
Consumer complaint received 2023-06-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (IL)

I am writing in reference to the following three accounts that I had at the TD Bank branch in XXXX, New Jersey. The total value of all accounts exceed {$25000.00}. 
I. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Savings account number XXXX In XX/XX/2023, I called the XXXX office and spoke with XXXX. I told XXXX I would like to close the accounts. She suggested that I visit the branch. I told XXXX that I do not reside near any TD Bank branches. She then suggested that I sent a notarized letter requesting the accounts be closed. I prepared the letter and mailed it to the XXXX branch on Tuesday XX/XX/2023. On Friday XX/XX/2023, I received a call from XXXX indicating she received the letter and closed the accounts. She indicated she prepared a check and provided me with the following XXXX tracking number : XXXX. 

Unfortunately, the XXXX package did not arrive during the next several days. I input the tracking number into the XXXX Web site on the Internet and I received a response indicating the label was generated on XX/XX/XXXX but the package did not enter the mail stream. On Friday XX/XX/2023, I called XXXX and told her I did not receive the package. I also told her it was not placed in the mail stream. XXXX repeatedly said the package was mailed and told me to file a complaint with XXXX. Needless to say, I can not file a complaint if the package was never placed into the mail stream as indicated by the tracking information. 

Unfortunately, the package still has not arrived and my savings accounts with a total of over {$25000.00} is depleted. For you convenience, I have attached a screen shot of the XXXX tracking information. Your assistance in enabling me to promptly obtain the proceeds from my accounts is needed and will be greatly appreciated.
Consumer complaint received 2023-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (NY)

I've sent several letters out to Discover and they refused to remove the item. I am attaching it NYPD police report with hopes that this can be removed ASAP with the assistance of the CFPB.
Consumer complaint received 2022-11-10
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. (IN)

I sold a house in XXXX of XXXX. I was current at the time of closing and was never aware of any missed payments or late payments. It is reporting 120 day late payments every single month for the past 2 years on that local. I have called the company XXXX XXXX XXXX every single month for the past year to inquire about these errors on my report and they can not supply me with any information. They can not find me in the system as ever having an account. This is preventing me from purchasing a house and is damaging and unfair. I have disputed this in XXXX of XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX of XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. They are still refusing to remove this from my report but yet can not supply me with that this debt ever existed.
Consumer complaint received 2023-09-04
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: Experian Information Solutions 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. 

XXXXXXXX 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 2022-11-10
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. (GA)

XXXX, XXXX XXXX Experian are are responsible for the following violations for reporting my EXPERIENCE With said creditor, Here is a list of improper use of my consumer report. 


XXXX 62 % credit card utilization XXXX  86 % credit card utilization XXXX  XXXX 77 % credit card utilization XXXX XXXX XXXX 83 % credit card utilization XXXX  XXXX 55 % credit card utilization Under 15 USC 1681a 2 ( A ) ( I ) EXCLUSIONS Except as provided in paragraph ( 3 ), The term Consumer report does not include - ( a ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW STATES : ( Consumer reporting agencies or experiences between the consumer ( Me ) and the person ( You ) *CREDITOR* Making the report is not included on my consumer report.

Utilization is an experience with the line of credit that was extended between the consumer ( Me ) and the person ( You ) *creditor* that is making the report. Congress states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports.
You have violated the FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which congress states IS NOT included on my consumer reports.
Consumer complaint received 2022-11-10
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: EQUIFAX, INC. (GA)

XXXX, Equifax XXXX XXXX are are responsible for the following violations for reporting my EXPERIENCE With said creditor, Here is a list of improper use of my consumer report. 


XXXX 62 % credit card utilization XXXX  86 % credit card utilization XXXX  XXXX 77 % credit card utilization XXXX  XXXX BANK 83 % credit card utilization XXXX  XXXX 55 % credit card utilization Under 15 USC 1681a 2 ( A ) ( I ) EXCLUSIONS Except as provided in paragraph ( 3 ), The term Consumer report does not include - ( a ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW STATES : ( Consumer reporting agencies or experiences between the consumer ( Me ) and the person ( You ) *CREDITOR* Making the report is not included on my consumer report. 
Utilization is an experience with the line of credit that was extended between the consumer ( Me ) and the person ( You ) *creditor* that is making the report. Congress states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports. 
You have violated the FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which congress states IS NOT included on my consumer reports.
Consumer complaint received 2022-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ready Capital Corporation (CA)

I have an impound account with GMFS LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Tel : XXXX ( XXXX ) XXXX. 

On XX/XX/XXXX I submitted a Property Tax Payment of {$2400.00} and ; thereafter, realized that property tax payment was an error due to the fact that GMFS should pay for the Property Tax of XXXX ( I have an impound account ). 

I contacted XXXX XXXX ( Georgia ) and customer service stated that Property Tax Payment was accepted ; therefore, I should contact my mortgage company and explained the mistake ; therefore, GMFS could process my refund of {$2400.00} XXXX contacted customer service of GMFS ( XXXX ) and I was instructed to contact them by XX/XX/XXXX when the Property Taxes are paid and request GMFS for an Out of Cycle Escrow Analysis. 

That after Escrow Analysis, GMFS would write me a check refunding for the Property Tax paid by mistake and the refund would take 6 ( Six ) to 7 ( Seven months ) to be processed. 

I also contacted GMFS Tax department and unfortunately they can not give me a straight and consistent response to the same question. Every time that I contacted GMFS customer service I received a different response than the previous ones. 

My last secured communication with GMFS ( XX/XX/XXXX ) below GMFS response : Thank you for your inquiry. After a review of your account it reflects that you spoke with an agent in the tax department on XX/XX/XXXX. The agent assisted you with the requested information and that the tax payment will roll over to XXXX. The next disbursement will not be till XXXX I'm flexible ; however, to keep my funds ; it will not be an option for GMFS.
Consumer complaint received 2023-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In response to claim number XXXX Transunion has taken longer than 30 days to respond to my complaint. Per the FCRA a credit reporting agency must respond in writing via certified mail proving they did an actual investigation on my consumer report. Transunion must respond with proof to my CFPB complaint or provide a written response to me via certified mail. They have failed to do this therefore must delete the account that was previously disputed.
Consumer complaint received 2021-12-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc. (AZ)

AWA COLLECTION IS REPORTING A DIFFERENT AMOUNT IN MY CREDIT REPORT EVERY MONTH. BALANCE IS INCONSISTENT. WHY IT IS ALWAYS VERIFIED IF THEY CAN NOT EVEN REPORT AN ACCURATE INFORMATION. THIS IS A VIOLATION! SEE ATTACHED EXAMPLE.
Consumer complaint received 2023-06-07
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC. (MI)

Sunday evening. XX/XX/XXXX. I started receiving notifications via email from various credit card companies stating that my credit score had just changed. I went into my XXXX XXXX XXXX XXXX score to notice that my credit score had dropped XXXX points. The reason was Ally Financial, on XX/XX/XXXX & XXXX, had reported a derogatory Account and a Delinquent Account. I did some further research to notice the account number was not man account number. 
I immediately called them Monday morning, XX/XX/XXXX and reported the incident. I have had a loan with then since XXXX and never once have had a late payment, not once. 
After looking into my account they confirmed just that and said it was a computer mistake that inn 30 days it would be taken care of. I insisted I wanted it removed from my record but again was told it would take 30 days. I was told I would receive a letter and I would have to contact numerous credit bureaus and show them the paper I was to receive. Yesterday, I wrote them a letter in my profile email stating if I did not hear back from them I was reporting them to you. Needless to say, I have not heard a word from them. Ally has not been the least bit concerned nor made an effort to rectify this situation.
Consumer complaint received 2023-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: GLOBAL CREDIT UNION (AK)

I am writing you because I feel that the Global Credit Union, XXXX ID # XXXX, is using creative accounting techniques to unfairly increase mortgage loan interest payments from its customers. My original mortgage was with Alaska USA FCU which merged with Global CU. 

For years, I made monthly mortgage payments that included an additional principle payment to pay down the principle on my mortgage loan and reduce the monthly interest due. In XX/XX/XXXX, I noticed that instead of the additional amount being applied to the loan principle, Global CU applied the extra funds as future monthly payments. This resulted in my monthly interest payments staying elevated because the principle was not being reduced. 

I contacted Global CU on XX/XX/XXXX and was told that their computer algorithm automatically applied extra payment amounts towards future monthly payments instead of the loan principle. On XX/XX/XXXX I requested the bank to specifically code the additional payment amount made in my XXXX mortgage payment as additional principle and even received a receipt showing it as an additional principle payment. But but as of XX/XX/XXXX, the additional principle was applied to future monthly payments into XXXX. 

When I obtained my mortgage loan in XXXX through Alaska USA FCU, I was told that there was no penalty for an early payoff. By refusing to reduce the loan principle and keeping the monthly interest payment elevated, this becomes a financial penalty for trying to pay off my mortgage early and allows Global CU to reap an unfair financial gain by charging increased monthly interest amounts. 

While my additional monthly interest amount may not amount to much, if you consider the number of other mortgage interest payments affected by these creative accounting techniques, Global CU is collecting an enormous profit using dubious accounting methods.
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: PNC Bank N.A. (MO)

The PNC mortgage debt on my consumer report is not my responsibility per my divorce decree SIGNED BY A JUDGE IN A COURT OF LAW. XXXX XXXX is financially responsible for any debt incurred including all debts related to PNC Mortgage and medical and XXXX
Consumer complaint received 2023-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NAVY FEDERAL CREDIT UNION (FL)

The Loan, Account Number And all Related Debts And Credits Related to XXXX XXXX XXXX XXXX XXXX Account # XXXX Have Been Transferred To XXXX XXXX XXXX XXXX XXXX! I no longer own this debt or its credits, The XXXX XXXX XXXX XXXX XXXX Owns : Navy Federal CR Union Acc # XXXX Via XXXX Filing # XXXX Through New York On Public Record In XXXX XXXX!
Consumer complaint received 2020-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (TX)

On XX/XX/2020, I ( XXXX XXXX XXXX attempted to pay a residential handyman for his services for an amount of {$1800.00} via XXXX. The payment did not go through immediately as it usually should. So, I called Ally and tried cancelling the XXXX transaction and instead try XXXX this time. Fortunately, the XXXX transaction went through and the handyman got paid for his services. However, XXXX did not block the previous transaction as requested, and went ahead with the duplicate payment on XX/XX/2020. 

The recipient, knowing the quandary I was in, informed me that he wasn't able to receive the XXXX transaction as well as he didn't have an account with XXXX at that time. This was the last time I was able to make contact with this handyman. As of today, this {$1800.00} is being held with XXXX due to " compliance reasons ''. 

Since XXXX, both XXXX and Ally have been playing a game of cat and mouse by not giving a clear response on when this transaction would be reversed. XXXX wants Ally to initiate a claim to reverse this payment, and Ally refuses to do the same. This practice is fraudulent and unethical and I need help!