davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (NY)

I got a notification from the credit monitoring app that I am using. This agency is being reported just this month XX/XX/2021. This is the first time I heard about this company. I am not familiar with the name of the agency or with the balance. What is expected is for me to receive notification first from the agency about any account that will reflect and affect my credit file. This account had a big impact on my credit score and it is so sad that I havent heard about this account. I was not given any proof of this account. I am worried that my personal information is compromised because of this notification. The reason I am filling a CFPB complaint case. Section 609 of the FCRA states that the agency is required to send me the original paperwork that verifies this account otherwise, this is false information. I need this account removed from my credit report.
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have been trying to fix this inaccurate information for ONE YEAR and still report wrong. I last sent a dispute on XXXX and nothing was verified or updated. I didnt receive any information from them about my dispute status or how this information is actually accurate. My father 's name is the same as mine and this credit file has merged. Please help me get these consumer reporting agencies to fix this FALSE information on my credit. I can't even get them to respond within the 30 days.
Consumer complaint received 2021-12-23
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: TD BANK US HOLDING COMPANY (NY)

Bank : TD Bank Fraudulent charges due to stolen credit card information. 
I reached out to TD Bank back on XX/XX/XXXX in regards to several charges that were obviously fraudulent. The charges are listed below : XX/XX/XXXX XXXX XXXX XXXX NY {$25.00} XX/XX/XXXX XXXX XXXX XXXX XXXX CA {$44.00} XX/XX/XXXX XXXX XXXX XXXX WA {$210.00} XX/XX/XXXX XXXX XXXX XXXX WA {$140.00} XX/XX/XXXX XXXX XXXX XXXX XXXX NY {$180.00} XX/XX/XXXX XXXX XXXX XXXX XXXX NY {$110.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY {$2.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY {$3.00} XX/XX/XXXX XXXX XXXX XXXX NY {$66.00} The charges XXXX and after have been reimbursed but the ones before that have been denied. The bank is not being helpful and any attempts to reach out to the disputes department have been futile. 

I am also attaching an image of my XXXX transaction showing that there is no {$25.00} charge on XX/XX/XXXX when my information was stolen and used. 

I am extremely livid and would appreciate any help from CFPB because my bank is unresponsive.
Consumer complaint received 2021-12-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX & XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (MI)

There are 2 pending charges that are on my account and the merchant that the pending charges are associated ( XXXX ) has not record of these pending transactions. There is no reason for the bank to hold over 1/3 of my monthly income for no reason. 

When calling direct Express I was told that if a new card was issued ( for a {$13.00} charge ) then the balance would be transferred to the new card and the pending charges would dissappear. Once the new card arrived rather than finally being able to pay my rent just 2 days before XXXX, I found a $ XXXX balance and still XXXX phantom charges. I do not feel like I should be responsible for a fee because of wrong information.
Consumer complaint received 2021-12-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC. (OH)

I have tried to call the Ally bank multiple times to see what is causing the lease buyout from being completed. The money was already accepted by Ally Bank on XX/XX/XXXX and the title has already been transferred. I have never once received a call back from a supervisor or when requesting a call back from them. If they have called they've never left a voicemail so I know it's even them calling. I filed a XXXX complaint to try and get some attention to my situation and still nothing. They have now reported to the credit agencies that my account is past due even though they have the money for the buyout and the title has already been transferred.
Consumer complaint received 2021-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion has lowered my score 5 times in the month of XX/XX/XXXX over XXXX points i understand credit scoring but not on a weekly basis to continually lower my score without any changes to cause the score going down weekly. there are notations on my account about unathorized inquries. I am being discriminated against because i have filed complaints against them before based on eronius info put in my reports. I wnat this to stop!!!
Consumer complaint received 2021-12-23
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT 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
Consumer complaint received 2019-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (PA)

I have a conventional mortgage with Suntrust bank originated at 90 % LTV requiring PMI at {$100.00} per month. I recast my mortgage with Suntrust bank by making a one time payment that brought my LTV ratio to 45 %. Suntrust did not automatically remove my PMI as required by 12 USC 4902 ( d, e, & f ) and continued to charge PMI. 

Suntrust responded to my original complaint that my PMI dates are valid as in my original loan documents and refused to refund the erroneously collected PMI payments, but Suntrust was required to recalculate the PMI dates. 
I was told by a customer service representative that the loan modification dept does not notify the PMI dept in instances of a loan recast so the dates are not automatically recalculated by the mortgagor. 
This seems to be in violation of federal law and would indicate a systemic problem with the way the mortgagor services loans. 

A recast is by definition, a loan modification of the payment terms. 

Suntrust was required by law to recalculate all dates associated with PMI termination as set forth in 12 U.S.C. This recalculation of dates was not completed in violation of 12 U.S.C. Suntrust did not follow the HPA requirements as set forth in 12 U.S.C. United States Code, 2017 Edition Title 12 - BANKS AND BANKING CHAPTER 49 - HOMEOWNERS PROTECTION Sec. 4902 - Termination of private mortgage insurance ( d ) Treatment of loan modifications If a mortgagor and mortgagee ( or holder of the mortgage ) agree to a modification of the terms or conditions of a loan pursuant to a residential mortgage transaction, the cancellation date, termination date, or final termination shall be recalculated to reflect the modified terms and conditions of such loan. 

Suntrust did not recalculate the dates as required by federal law which would have immediately caused the mortgagor to terminate the PMI upon executing the loan recast.
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I paid my Capital One account in full on XX/XX/XXXX and was told there would be no late fee by the representative just before flying internationally to XXXX. I have been flying internationally for work the last few months and have not been home, much. When I did arrive home I found a letter from Capital One dated mid XXXX and it said my Frqud case had been resolved and no balance on my account was supplied with this letter. 

So, I took that as there is no balance on the account and everything is fine. Now, by email I am told there is a balance of {$55.00}. I am finding my account balance by cellular access, as Capital One website will not open for me in XXXX. See attached photo for proof that Capital One website is not working. My account has also been closed by Capital One and I am wondering if they are preventing me from accessing my account to finally close it, completely!
Consumer complaint received 2021-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I made a cash deposit on Citibank XXXX XXXX XXXX XXXX XXXX atm XXXX of {$1100.00} at XX/XX/XXXX XXXX XX/XX/XXXX, the money got jammed, I asked the manager to help, he made me call the It service, I did and opened the case # XXXX, they gave me 1 business day to fix that, on XX/XX/XXXX at XXXX I called again and they said would take 10 to 45 days to get that fixed, I went to the branch to speak to the manager again, he talked to me on a ironic way pretending that I put a quarter in the middle of the bills, since them Ive been treated like a thief, when I made my point : did you find the money, answer is yes, the amount is right? Yes, so why would I do that? Them they changed the tone of the conversation. 
The money was to pay the IRS payment which at this point have already returned Beside all the financial problems Im facing the situation that Ive been treated as thief or scam which no proofs
Consumer complaint received 2022-08-30
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: EQUIFAX, INC. (CT)

I have submitted a complaint already which the Equifax Company did not even address. 
Ref. ( Complaint # XXXX ). 
The complaint has NOTHING to do with my credit content, it has to do with their ability to allow me to online access to my info either through their portal or XXXX XXXX.
Consumer complaint received 2021-12-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Maximus Federal Services, Inc. (VA)

I, XXXX XXXX, am submitting this complaint for myself and there is no third party involved. XXXX is reporting adverse information on my consumer report which they are not allowed to do so. They have no permissible purpose to report any information on my consumer report. XXXX stated that they are not a debt collector even though they attempted to collect a debt, and there is also no finance charge in this consumer credit transaction. Therefore, I am not required by law to pay on this alleged obligation. XXXX has also failed to provide all of the Information required by federal law to validate such debt that I had requested on XXXX XXXX, 2021.
Consumer complaint received 2021-12-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Dear CFPB Representative, XXXX XX/XX/2021, I processed a XXXX transfer for $ XXXX to do a property rental reservation. Attached you may find the chain of emails related to the transaction. Similarly, attached is a copy of the Booking Form I received from the person I had email communications. 

The past XXXX XXXX, I filed a fraud complain through my bank ( Bank of America ), and I explained to them all the situation. I also told them that I have all the information to probe the fraud. Per my request, Bank of America informed to me that the money was transferred to an account in XXXX Bank, but they could not provide additional information. I informed them that if both banks do not do anything about this fraud, it looks that bank are participating as a legal tool to commit frauds in the US. 

I received the attached letter from Bank of America, see attached letter. It is not a final closure of the case, but it looks like a first step to get rid of the claim. The claim number is XXXX. 

I believe that if no body acts of this case, XXXX is becoming a legal tool to commit a fraud using legal institutions of the United State of America.

I appreciate all the assistance you may provide for this case. 

Sincerely Yours, XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX
Consumer complaint received 2023-02-20
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. (PA)

I am a victim of Identity theft. 
These accounts listed below are fraudulent : XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX. 
{$2000.00} XXXX XXXXXXXX {$2500.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$11000.00} These accounts were made. I file a police report when my identity was stolen and I have a DC number attached. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-23
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. (GA)

i never consented to authorize nor benefited from the following Accounts and Inquires, Block and delete them. If i have received goods and services from the furnished Accounts and Inquires, Let Transunion have one of their senior executive certify under the penalty of perjury that i did received good and service from those transactions.
Consumer complaint received 2021-12-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2019-09-09
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. (FL)

TODAYS DATE : XX/XX/XXXX XXXX XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT PLEASE UPLOAD MY PHONE NUMBER TO MY FRAUD ALERT : XXXX XXXX : Unauthorized Credit Inquiry Dear Sir/Madam This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy Inquiry details XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - non specific XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX BYMAILONLY To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (GA)

On XX/XX/2021 I have viewed my XXXX credit report and notice that there is an unauthorized inquire place in my file. This company has put a hard pull inquire on my XXXX. I have sent them letters explaining to them that I have not given any such authorization or signed any documents allowing ALLY LENDING to RUN my credit. I have asked them in Both letter to provide me with A copy of the loan application with WET Signature. If they cant provide me with the information I requested, I ask that they remove this inquire from my XXXX Report. They have failed to provide this information and using stall tactics. This inquire still remain on m report.
Consumer complaint received 2023-01-20
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. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY (WA)

Cant recall properly as it has been a long time, missed a payment as I lost my job and we had a child so wife could not go to work. Asked for extension or re finance. Instead when I woke up one morning the vehicle was towed by the bank. First thought it got stolen then after a long stress full day found out it got towed. So not only had to pay the current months also had to pay the next months payment as well as tow company. Did not had enough money as it was around {$1500.00} so had to take a payday loan that charges around 300 % APR. It was really worst time of my life.
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account been reporting as closed for XXXX XXXX from XXXX with a balance of {$830.00} which is false because the account is still open to this day. My credit dropped over XXXX points because of this. XXXX XXXX XXXX have been lying to me stating they been reporting to the credit bureau every month. Im currently on the phone as I write this. They told me they been reporting to the credit which is lying. This is XXXX! This is not fair to me when I got ta try get an apartment or car. This is criminal activity. This is unacceptable that this company allowed this to go on this long
Consumer complaint received 2021-12-23
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: EQUIFAX, INC. (GA)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2021-12-23
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. (GA)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.