davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY (KS)

We purchased a XXXX XXXX on-line in late XXXX of XXXX. It was delivered by Asurion ( delivery and repair agent for XXXX ) in early XXXX with both upper doors damaged. Over the next 2 months XXXX stopped by 4 times before the appliance was acceptable. At first the upper doors delivered were to another model. Next both doors shipped were for the same side. Next the other door arrived and was installed correctly, but while XXXX removed the shipping tape, the freezer door finish was damaged. Finally, in early XXXX, a new freezer door arrived and the XXXX was accepted by us. XXXX in XXXX  XXXX should be able to verify this information. https : //www.asurion.com/repairs/appliance/ At that time, I set up payments for {$1700.00}, starting in XXXX, in my online banking account at XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX ) based on the Shipping & Billing sheet ( attached ). The automatic payments of {$150.00} were set to pay at the end of the next 11 months with a final payment of {$110.00} to be paid the XXXX month.A copy of these transactions by XXXX Bank is attached. 

I have received some statements from XXXX XXXX but I have been unable to make sense of them. I have sent, therefore, similar information contained in this email to TD Retail services at least twice using the reply mail envelope enclosed with the statements. I have never had a response. 

I have called XXXX XXXX at least 8 times over the past 2 months. The automated telephone system doesnt work well. It wants you to pay the bill and doesnt give you an operator or real person option. I finally discovered a phone number XXXX where I could talk to a person. I was told to use myonlineaccount.net and that I needed to fill in a Dispute form. 

I established my online account and began exploring the online information. The dispute form was very difficult to find, with no direct links to it. Somehow, I found the dispute form and it is attached. 

I could not use the on-line system to review statements. It simply would not link to the PDFs. I was able to access monthly transactions by retrieving each month separately from the system not very user friendly. I have summarized them in a transaction table attached. 

This table contains {$100.00} in late charges, {$290.00} in deferred interest charges and {$14.00} in actual interest. These total {$410.00}, differing from the total due online of {$430.00} by {$20.00}. 

Finally, the on-line system does not appear to balance with the billing system.
Consumer complaint received 2016-03-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CO)

At the end of last year my statement showed I had {$550.00} in escrow. I paid another {$30.00} into escrow for the next 3 months for a total surplus of {$640.00}. Nationstar paid {$360.00} for insurance leaving {$280.00} balance surplus. 
Nationstar will not reimburse me the surplus.
Consumer complaint received 2023-05-31
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact inaccurate i can go on and on how credit bureaus have no respect for the Law someone need to hold them accountable
Consumer complaint received 2020-04-16
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. (AR)

I pulled my credit to myself because I was alerted when my social security card was stolen and I have derogatory items that are not mine including many inquiries. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (WV)

The 10 year period for my bankruptcy was completed in XX/XX/2023. My Equifax credit score generated by XXXX has not been adjusted to show the bankruptcy being deleted from my credit report. A statement appears on the Equifax website that my score is negatively affected by a bankruptcy and recent delinquent accounts.
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: EQUIFAX, INC. (FL)

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Related to previously filed complaints ( # XXXX XXXX AND XXXX )... 

After jumping through a bunch of hoops to RESET my password, I STILL can not access my CREDIT FREEZE information, VIEW/SAVE/PRINT my current credit report, SUBMIT DISPUTES... ANYTHING! I can't DO ANYTHING on this piece of XXXX website of theirs. 

I am FAR BEYOND FED UP with TransUnion and its utter NONSENSE! TransUnion is the ONLY bureau that is absolutely impossible to access, and I'm OVER IT! 

I DEMAND a FREE COPY of my CREDIT REPORT to be MAILED to me at the address on-file. I also DEMAND the ABILITY to submit DISPUTE documentation WITHOUT some convenient ERROR MESSAGE. 
I have DISPUTE INFORMATION to submit to these IDIOTS regarding a DISCHARGED BANKRUPTCY DEBT that's holding up a prospective EMPLOYER XXXX XXXX ) XXXX
Consumer complaint received 2023-02-22
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. (AL)

Upon checking my consumer report. I see that there are numerous names address phone numbers and employers on me that I never lived at, employers, phone numbers that are not mines and names that i do not use. I have tried to work with your company to clear this up but your company is not budging in removing the inaccurate information. Also the number of inquiries that are on me is not valid. I never gave anyone permission to run my credit. I am a victim of identity theft and your company is putting information on me that are false
Consumer complaint received 2017-07-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I am currently working on refinancing my home with XXXX XXXX and have run into a problem with the existing loan from Bank of America. XXXX XXXX ran my credit report and informed me that the loan dose not show they called Bank of America with the loan number I provided and where told the loan had been written off. My concern is that this may hinder my ability to get refinancing. In 2012 I did file for bankruptcy and retained my home I have been making payments to Bank of America since 2012 apparently without it reflecting on my credit. I have asked in the past about reaafiming the loan and was told I did not have to or that Bank of America did not want me to. My concern is that I will not be able to refinance my house and I was hoping to get funds from some equity I have built up. Any help in this matter is greatly appreciated.
Consumer complaint received 2016-03-16
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My mother had to go to an XXXX XXXX facility in XXXX or XXXX. She threw away all of her paperwork ( insurance, loan, etc ) I did not know until she was very ill that she had a reverse mortgage. XXXX bought her loan from XXXX XXXX XXXX. I have a POA and I have been asking XXXX for documents, contracts and a loan history since XXXX of last year. I finally received paperwork in XXXX of XXXX and two days later was informed they are starting to foreclose on her house. Her contract with XXXX XXXX XXXX says the non-occupancy agreement is for 12 months. I believe it should be 12 months from the date I finally got documents. There is more to the story like they did not assign an individual to help me. Also I believe they changed the original contract she had with XXXX ( concerning occupancy ). I understand from a XXXX counselor and my real estate person that XXXX wants not only what they are owed but the equity in my moms home. She is absolutely and totally XXXX. I just want to get my moms house sold so I can take care of her. I am at wits end.
Consumer complaint received 2021-03-22
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: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I was a victim of identity thief. There were multiple accounts open under my name & I reported this to the lender, Home Depot & credit bureau, XXXX. Home Depot send me a letter on XX/XX/XXXX stating they will remove the hard inquiry. As in XX/XX/XXXX, Home Depot or XXXX  have yet to remove a fraudulent hard inquiry on my credit report known as XXXX/CBNA dated XX/XX/XXXX.
Consumer complaint received 2024-03-25
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 have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities. 

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in this matter!
Consumer complaint received 2023-02-27
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. (MD)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX I had an appointment to do my annual Distribution as I discovered that the bank had not done the distribution for year end XXXX. Upon meeting with XXXX XXXX and requesting that I needed to get this done before Year-end. XXXX XXXX informed me that I had to do my own Distribution. After explaining more than three times, that this was not a procedure that I should do, it was the responsibility of the IRA holder ; I left the bank and went to the Library to find information on how to figure the Distribution. I did a walk-in the following days trying to get this done. I telephoned the Bank everyday before the end of the year to no avail. I was able to secure another appointment for XX/XX/XXXX. Branch Manager, XXXX XXXX had me see XXXX XXXX who made a mess of the entire situation. The things that happened was as if I was XXXX XXXX XXXX XXXX who didnt know anything about IRAs. I explained to XXXX XXXX that I wanted to do a separate distribution, and rollover the remaining balance into another bank. Due to the manner which I was treated. He took it upon himself to rollover the entire balance, thereby charging me too much tax. Upon discovering this gross error by XXXX XXXX, I returned to the bank demanding that they fix their errors. To my dismay, XXXX XXXX XXXX informed me that their bank Internal Auditor, whom she refused to let me know her name, had told XXXX XXXX that he didnt have to do the distribution for me. That was a lie and Gross Negligence on Bank of Americas part. XXXX XXXX telephoned XXXX XXXX XXXX to ascertain how the situation could be fixed. He suggested to back date the transaction to XX/XX/XXXX, I deposit the check into an IRA, I make my own tax payment to the IRS, and he would refund the {$XXXX.XXXX} incorrect tax amount into my B of A checking account by XX/XX/XXXX. To date at this writing at XXXX hasnt transpired. I made it plain to XXXX XXXX that Bank of America  should take full responsibility for this mess-up of a simple situation. I used the term simple, because it took me not more than 10 minutes to figure a distribution amount, and I had done this before. I lost 2 hours of work time. Bank of America should pay me for my time loss. 
Respectfully, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-31
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: EQUIFAX, INC. (NY)

I sent a letter out on XXXX XXXX to XXXX, XXXX, and Equifax. 

Here are the following tracking numbers : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (OK)

We bought tires from a XXXX XXXX in XXXX of 2022 and it was bought on XXXX interest promise. I was charged a finance charge of {$470.00} and then was by the company told that if I wanted that charge removed I needed to pay the balance. I was speaking with them and they disconnected our conversation and I was not able to get anything resolved. I have made my payments on time at least minimum most of the time more. We were never told that after 12 months they would charge us interest for the entire purchase.
Consumer complaint received 2021-02-07
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This collection agency have been calling me everyday about 3 times a day. Also this company has been calling my family members. They have been telling me that they are going to sue me, every time they call me they harras me and intimidate me. They are being really rude to me.
Consumer complaint received 2023-04-09
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. (GA)

Account XXXX is reporting inaccurately on the credit reports associated with my social security number and violate my consumer rights per the following information : Based on the information provided, there are a couple of inconsistencies in the credit report that violate the Fair Credit Reporting Act ( FCRA ). 

The first inconsistency is the account type detail listed by XXXX. While TransUnion and XXXX indicate that the account type is a charge account, XXXX leaves this field blank. This inconsistency violates the FCRA section 607 ( b ), which requires that credit reporting agencies provide complete and accurate information in consumer credit reports. 

The second inconsistency is the high credit reported by XXXX, which is {$650.00}, while both TransUnion and XXXX report a high credit of {$0.00}. This inconsistency also violates the FCRA sec

tion 607 ( b ), which requires that credit reporting agencies provide complete and accurate information in consumer credit reports. Furthermore, the comments section of the report indicates that there is a dispute regarding the account, which is resolved but the consumer disagrees. The comments also show that the consumer disputed the account after resolution. These inconsistencies violate the FCRA section 611 ( a ) ( 5 ), which requires that c
redit reporting agencies include a notice of dispute in the consumer 's credit report if the consumer disputes the accuracy of any information in the report.

Overall, the inconsistencies in the account type detail, high credit reported, and the comments section violate the FCRA 's requirement for complete and accurate information in consumer credit reports and the notice of dispute requirement.
Consumer complaint received 2023-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MO)

My escrow account is increasing my payment on my 2 year anniversary, which is completely acceptable, they will not remove my PMI payments because my loan is not 2 years old yet. Also on there website it states that my Loan to Value is 66 %. So they will not even think about taking the PMI until after my 2 year anniversary. 

Spoke with them ( Mr. Cooper ) on an on line chat with an escrow specialist and that is where I got my information on XX/XX/2023. 

They will not take any action until after my anniversary but I have to pay my increase before that.
Consumer complaint received 2023-05-31
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. (TX)

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. 

XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  : XXXX, has violated my rights.

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.