davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-31
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. (MO)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I used bill pay and instead of sending my payment electronically, they sent it by mail. I called multiple times and was finally able to get the {$4000.00} check canceled. I asked that all payments be sent electronically and they said they couldnt do that. 

My husband died 3 months ago. My name was always on the checking account. All of our payments were made electronically. This situation has something to do with his death.
Consumer complaint received 2020-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (NY)

My bank send me a letter graduating my secured card graduation but no credir line increase i find this not fair after being a good customer and the branch in XXXX  XXXX  closed when I called they said they are closing and dont know what will happen this is scary customer service told me they might not reopen if their isnt money
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Wagner Financial Services, Inc. (NC)

I our shaded a vehicle last XXXX and it broke down the first day. Company advised me to keep the car til information from the doc come back and then trade it in. Which was done last year. The 2nd car they gave me has been total loss 3weeks ago, so insurance paying it off. I went to get another car but no one will give me one because the first car that broke down is on my credit, and it says 5 payments were made and payed off. I never had to make a payment nor paid it off. Want take it off and I cant get a car anywhere because of there mistake. They handed me a paper stating the car is paid off and in good status but that never happened. I explain thats stopping me from getting a car. They told me to get it off. I really need help. I cant go to work becatno transportation now and they want remove it immediately off my credit.its incorrect on my credit report because the car was also turn in and traded out for the car was wreck.something went wrong and not willing to go to credit bureau to get it remove cause of there mistakes.this is a emergency situtand I do have the letter Wagner gave me.
Consumer complaint received 2022-03-23
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. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-05-05
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: Experian Information Solutions Inc. (NV)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-03-18
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (PA)

every month is the same, the only way I can get money off this card is by doing a money transfer to my cash app card but now I can not get any money transferred it tells my my bank will not allow it. The last time I tried was on XX/XX/2021 and again on XX/XX/2021. the amounts I tried was {$20.00}, {$25.00} and {$50.00} and the same thing for all 3 each time. I have had nothing but problems with this card from day 1 and when I contact them they tell me there is nothing they can do about it, that I must be doing something wrong. It is bad enough they have a {$500.00} a day limit to withdraw money but XXXX I can't even do that.
Consumer complaint received 2020-03-12
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: Experian Information Solutions Inc. (CA)

NUMEROUS TIMES I HAVE REACHED OUT TO EXPERIAN AND TO XXXX  IN REGARDS TO THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE SENT THEM MY IDENTITY THEFT REPORT NUMEROUS TIMES, I HAVE SENT THEM NOTARISED DOCUMENTS, I DON'T UNDERSTAND WHAT IS THPINT OF ASKING FOR DOCUMENTS AND ANY CIVIL COURT REGULATIONS WHEN AT THE END OF THE DAY YOU ARE AT THE MERCY OF THE BUREAU AGENT, OR SOMEONE AT XXXX SITTING BEHIND THE DESK MAKING DECISIONS. THSI ACCOUNT IS FRAUDULENT IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NY)

I regret to report that I have encountered difficulties when attempting to make payments on both tdbank.com and tdcardservices.com websites. Specifically, upon signing into these sites, I was unable to locate any payment options. Even after thoroughly reviewing each page, I was unable to find any payment options available to non-TD bank account holders. As a result, I was forced to make a payment in person at a TD bank branch. 

Upon visiting the TD bank branch, I discovered that my previous payment had been returned. I am unsure as to why this occurred, but I promptly made an {$800.00} payment the same day. Furthermore, I have now been informed that my account has been reported as delinquent to the credit bureau. I believe this to be unjust, considering the issues I encountered with the website, and the fact that the payment was ultimately made I believe on time but may have been processed late. 

I would like to request that the late payment be removed from my credit report. It is unreasonable that I must visit a branch in order to make a payment, and the tdcardservices website only displays my previous TD bank account.
Consumer complaint received 2021-03-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2022-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

XXXX To : XXXX XXXX Mr. Cooper Customer Relations Specialist Please investigate and fix my Mortgage Principal Balance. Do not reply just for the merit of replying. This is my Third Request. 


REFERENCE : XXXX Wrong Increased Mortgage Loan Principal Balance. 

PROPERTY ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX MORTGAGORS : XXXX XXXX PLEASE SEE DOCUMENTATION ATTACHED THAT VALIDATES MY ARGUMENTS ABOVE. PLEASE INVESTIGATE AND FIX MY MORTGAGE PRINCIPAL BALANCE IMMEDIATELY. 

XXXX XXXX this a response to your email I received on XX/XX/XXXX, on my personal email XXXX. 
1. You incorrectly stated, Regarding the interest rates of this loan : On XX/XX/XXXX, the starting interest rate was 6.625 %. '' The interest rate on XX/XX/XXXX. XXXX to the present is 3.750 %. 
2. You incorrectly stated, The prior lender was XXXX XXXX XXXX XXXX Please see the XXXX Mortgage statement from XX/XX/XXXX. Please, be advise that this statement has the wrong principal balance. 
3. On XX/XX/XXXX Nationstar/Mr. Cooper got the loan from XXXX Mortgage and raised my fixed interest rate from 6.625 %. to 6.63 %. 
4. On XX/XX/XXXX Nationstar Mortgage changed my interest rate to 4.750 % after I was already approved for interest rate 4.625 %. 
5. Please see the payoff demand statement from XXXX from XX/XX/XXXX. The total amount to release my mortgage loan was {$270.00}, XXXX Please investigate before responding to me as this is the second letter response without an attempt to fix the problems in my principal loan balance. Please fix my Principal Balance immediately as requested on my previous letter dated XX/XX/XXXX. 



Thank you, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-03-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PENTAGON FEDERAL CREDIT UNION (GA)

I am a current member of Penn Federal Credit Union. I applied for an auto loan and my credit score and income was sufficient. The company asked me to send in my 2 year tax returns. The company denied me. For some reason the company was denying me based on fraud or doubting my income. The investigator called me asking questions over my income and stating its impossible I make over a million a year with combined income of multiple businesses. At that point I felt really bad that he was discriminating against me because of me being XXXX. He told me he has my account flagged as fraud and any auto loan that I apply for will be denied. Then he asked me did I get my credit repaired? I am a XXXX  XXXX and he also told me most XXXX  XXXX  are bogus and fraudulent
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the listed accounts ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1400.00} ;
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello CFPB Team my credit score report is showing a lot of incorrect information such as incorrect payments credit card balance when the acount is been payoff in full, debt collections, incorrect payment history, late payment, credit balance and no credit score improvements for the last 4 months.

Thank you very much and i look forw
ard for a possible solutions about this issues.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the listed accounts ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1400.00} ;
Consumer complaint received 2022-03-23
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: LEXISNEXIS (FL)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
XXXX5 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2020-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

NewRez began servicing this loan on XX/XX/XXXX, assuming this role from XXXX. In this process NewRez has been negligent in transferring information financial associated with this loan. 

Documentation for current Homeowners Insurance was not reflected on my account. This resulted in NewRez purchasing a policy on my behalf.Escrow analysis is incorrect and NewRez is lax is having it corrected. The result of this is a {$220.00} increase in my monthly payment. 

I have completed my due diligence in correcting these issues : Proof of policy was uploaded to the proper website.The escrow miscalculation was reported on XX/XX/XXXX. 

Despite my attempts to rectify the manners NewRez has been slow to respond and has yet to attempt to correct the problems. According to my XX/XX/XXXX phone call, NewRez personnel didn't initiate the repair process until XX/XX/XXXX ( 5 days after my initial report ). Personnel were unable to tell me when these problems would be corrected, only that a letter had been sent to me. 

Currently, I have received 2 generic form-letters stating that they are working to gather information. 

I made a XXXX mortgage payment by standard check in the amount I calculated to be correct. This payment has cleared the bank but as of XX/XX/XXXX is not reflected online. I have made several phone calls, waiting on hold in excess of 20 minutes. 

I emailed NewRez on XX/XX/XXXX with no response and then faxed them the same correspondence on XX/XX/XXXX.
Consumer complaint received 2023-08-31
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SANTANDER HOLDINGS USA, INC. (NY)

I opened a business line of credit with Santander Bank for $ XXXX in XX/XX/2019. During the pandemic, they decided they wanted the loan paid in full. I never received this notification, but even if I did, I would not have been able to come up with all that money. My business was severely affected during the pandemic. I even contacted them during, to find out what programs they had available just in case I couldnt make payments. They automatically withdrew monthly payments & there was over $ XXXX from which they would take. I got a call from XXXX XXXX who was working out an extension, refinancing of the loan. Next thing I know, they had me in court & refused to accept any agreement for a repayment plan. They have been aggressive & unreasonable during the entire ordeal. They have now secured a judgment against my company which will permanently close my business. At no time did I say Im not repaying the loan. I just wanted a repayment plan & once I can get another loan I would pay the full. They asked me for financial information to determine a payment plan, but was never interested in that. They were bent on destroying my company. My company is the sole provider for my family & we will be severely impacted
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

The consumer reporting agencies are continuing to report inaccurate information that I did not authorize or give written instructions to do so. They have also violated my rights by not providing me with the results or information from the investigation.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (WA)

I signed up for Experian boost. Gave my bank and acct number and they raised my score to XXXX from XXXX. 
I pay my bills no problems. 
When I switched banks the other day. Experian dropped my score back to XXXX beacuse I unlinked my bank. 
If a credit like Experian can hike your credit just like that and then lower it on a whim. 
Who gives them the right to mess with my score to play XXXX. 
My score was raised due to me paying my cell phone monthly then I unlink my bank it lowered. This practice is unethical and illegal and proves that they can decide who's credit is good or not.
Consumer complaint received 2021-03-18
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: HSBC NORTH AMERICA HOLDINGS INC. (NY)

HSBC bank incorrectly credited my account and then tried to collect incorrect amount from me. While I was dealing with HSBC and filing a complaint, HSBC reported my account delinquent. Attached you will find a letter from HSBC stating that they were wrong and that no negative reporting was done ( paragraph 3 ). I attached a screen print showing that they reported my account delinquent. 

I hope I explained everything
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME INQUIRY - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME INQUIRY - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 


Trans Union, XXXX, and XXXX have 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 an 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 or 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 data is inaccurate.
Consumer complaint received 2021-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

XX/XX/2021 the third stimulus check was deposited in to my jp Morgan chase account. I was then credited XXXX dollars from my overdraft account and was given the full XXXX dollars. XX/XX/XXXX jp Morgan chase account is now over drafted XXXX dollars and the record of the stimulus check is gone from my deposit.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.