davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Nationwide Recovery Systems, Ltd (IL)

I am my brothers POA whom the debt is possibly owed and they refuse to verify. They will not talk to me about it. I have told them several times, since they cant talk to me, to remove my contact info from their information. They keep saying they will, but don't. Today, XX/XX/2022 they called me at XXXX XXXX. I have record of it on my phone from XXXX.
Consumer complaint received 2020-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/20 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NJ)

A payoff was sent to TD BANK for XXXX XX/XX/XXXX and I confirmed that they have the funds to pay off the mortgage since XX/XX/XXXX and as of today XX/XX/XXXX it is still showing not paid. They say they are going to credit the payment every time I call. I do not want them to report a late pymt and I want them to credit the payment as of the day they received it ... XX/XX/XXXX. I've had to put in several complaints about TD BANK in reference to the servicing and I will be happy when this is paid off.
Consumer complaint received 2020-12-29
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. (PA)

I disputed items on my Experian, XXXX, and XXXX  credit reports that were reporting inaccurately on XX/XX/2020. I didn't hear back from the 3 bureaus, so on XX/XX/2020. I sent them another later asking them to comply, notify me of my their investigation, and reminded them of the items that I was referring to. I have yet to hear back from them.
Consumer complaint received 2020-12-29
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: Millco Management (NC)

I sent out multiple debt validation letters to Amerifinancial, XXXX, or XXXX XXXX. I have sent out multiple letters to XXXX XXXX with no response. XXXX responded saying that they could not find my account.
Consumer complaint received 2020-12-29
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. (IL)

I disputed inaccurate accounts reported by company in the file you maintain under my social security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX, and all the other negative items I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. Please govern yourself accordingly.
Consumer complaint received 2020-12-29
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: U.S. BANCORP (MI)

I was applying online to U.S bank credit card on XX/XX/XXXX ( Saturday ). I had reached a stage in which the credit limit was shown as {$600.00}. At this point I have the webpage up and have neither declined nor accepted the card. 

then call U.S bank customer service number regarding the credit limit increase and the customer service agent mentioned to call back next week to talk to the credit underwriting department. I then asked what I should do on the webpage as I dont agree with the terms yet and she mentioned to exit out of the page. I then exited out of the webpage. 

When calling back on Monday ( XX/XX/XXXX ) and speaking to the credit department they mentioned that they automatically approved the card and will send it out ( without my permission or any mention on the webpage and the lady saying that exit out of the page and nothing will happen ) This is a fraudulent opening of an account in my name without my permission. The website design is misleading and designed to open accounts without permission
Consumer complaint received 2020-12-29
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-12-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (NJ)

ENHANCED RECOVERY COMPAN XXXX {$1000.00} past due on a collection fcra violation I HAVE DISPUTED THIS ACCOUNT A NUMBER OF TIMES AND IT STILL COMES BACK ON MY CREDIT REPORT AS VERIFIED
Consumer complaint received 2020-12-29
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. (IL)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX. XXXX, XXXX, XXXX XXXX, XX/XX/XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXXXX/XX/XXXXXXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX,XX/XX/XXXX add a hard inquiry on my credit reports.
Consumer complaint received 2024-03-21
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. (FL)

Despite numerous written requests, the unconfirmed accounts listed below persist on my credit report, which is a breach of federal law. The Transunion Credit Bureau has not adhered to the Fair Credit Reporting Act, 15 U.S. Code 1681i within the legally mandated timeframe. They have continued to report unverified information despite my efforts to resolve this directly with the creditor. This can be seen as deliberate negligence and non-compliance with federal regulations. I kindly request the immediate removal of the following accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc. (AZ)

I had forced placed insurance that has been cancelled as of XX/XX/20. I have been trying to have my regular insurance escrowed. Per representative XXXX ( assigned contact ) I should be calling the lender XXXX XXXX. Per XXXX I should be calling FCI lending. Per XXXX ( very rude person ) they do not know how to handle this and all should be handled by XXXX. Unable to reach additional members at FCI do to my call defaulting to XXXX as he is my assigned person. I have a payment on XX/XX/20 for forced place insurance and no one has been able to advise where this payment is. I am also making monthly payments to insurance and don't know how this is applied. I also tried going online to see my payment history, I had to change my password and an email had to be sent with a link. It has been 5 days and still no link. I call and XXXX  just said to wait for the link, did not even attempted to help. This is by far the worst servicing company. All I need is my insurance to be escrowed.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AZ)

As of XX/XX/2024, Synchrony Bank is starting to charge {$1.00} per month as " XXXX XXXX XXXX, '' which is pure greed and unjust enrichment. I am being extorted into accepting the change in terms and the {$1.00} " Paper Statement Fee or losing access and the use of my XXXX XXXX Account as I will be forced into closing my account if I don't accept the change in terms. be forced to close my account if I reject the fee. I believe this to be illegal as it's classified as a " junk fee. ''
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have advised Equifax that they were reporting in correct information on my credit report as it relates to XXXX. Account NUBMER XXXX. XXXX sent me a notice that the account was being removed and it was not to be reported on my credit. To date- Equifax continues to say the account has been verified as being reported accurately. XXXX has settled 2 law suites because of this. 

A consent order has been issued by the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX for allegedly violating the Fair Credit Reporting Act. The CFPB has ordered the originator and servicer of nonprime auto loans and leases to pay a fine of {$4.00} million to settle charges that it knowingly supplied inaccurate consumer credit data to the three major credit reporting agencies ( CRAs ).
Consumer complaint received 2020-12-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I sent certified mail to XX/XX/XXXX credit bureau on XXXX XXXX and it was delivered to XX/XX/XXXXon XX/XX/2020. XX/XX/XXXX stated that they didnt receive my dispute letter for Bank of America and it has been over 30 days.
Consumer complaint received 2022-03-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP (CA)

On XX/XX/XXXX, I paid off my nearly 5 year car loan with Honda Finance Service DBA American Honda Finance Corp. On XX/XX/XXXX, I contacted the customer service line because I had yet to receive my title nor any communication with regards to its release. To my shock and dismay, the company claimed that my cars title was held in XXXX, of where I was a resident for nearly 3 years, which I refuted. 

I refuted this claim as I have since returned to XXXX  and was able to register the vehicle in the state. All issues of title and anything vehicle related has to be resolved before doing so. As a result, I was berated and hung up on- even my a supervisor upon request. 

I contacted XXXX  DMV on XX/XX/XXXX and they confirmed by skip tracing my vehicle history over the phone that there was never a concern with regards to title held in another state. They also reported to me that no notes on the matter raised by Honda were indicated. 

I also contacted XXXX DMV on XX/XX/XXXX and they advised me to send an SR-4 letter to the finance company to prove that XXXX  ( 1 ) never held title on my car and ( 2 ) does not stipulate having title as a prerequisite to register the call in the state. 

I relayed this information to XXXX from Honda when she called me after I filed a XXXX XXXX XXXX compliant-to which she sent a letter stating XXXX  XXXX, not XXXX  DMV as earlier mentioned, would not release my title to which I advised that my XXXX  SR-4 is in route to her office. She told me that Honda would request my title and I would hear back from her ; however, I did not. 

Honda reported to XXXX  that as far as they were concerned the matter is closed. However, this company no longer has interest in the car and the vehicle is paid off prior to the maturity date of the car loan agreement. This is unscrupulous business practice and bad business. 

Therefore, on XX/XX/XXXX, I told the company per Federal and state law, it has exceeded the 60 days timeframe in which to provide me a release of lease to which I received a call back from Honda Rep. XXXX requesting more time without a specific timeframe and continuously placing blame on the XXXX  DMV system that has already refuted their claims of needing proof of XXXX  removal of title. 

I am seeking CFPBs assistance in holding Honda reliable for its mix messaging and delay in releasing title. Tomorrow will mark 3 months since I have paid off my car note but I have nothing to show for it.
Consumer complaint received 2018-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (LA)

XXXX XXXX Accounts- XXXX XXXX, XXXX XXXX XXXX and catherines accounts are incorrectly showing balances. Attempt made to correct with XXXX XXXX unsuccessful. Account balances are all incorrect.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

I have submitted PROOF to Experian and XXXX About my Student loans that are reported on my credit history. When I was XXXX years old XXXX XXXX which later filed bankruptcy and sent me a letter of loan forgiveness as a settlement also I filed a dispute with the Federal Government about how XXXX opened SEVERAL loans WITHOUT my permission or knowledge. I discovered the loans only when checking my credit history. These agencies will not disclose or update my history with the ACCURATE INFORMATION I SUPPLIED several times. 

I want the information removed or updated that these loans are a result of FRAUDULENT ACTIVITY. I am XXXX years old these loans happened when I was XXXX and should be removed.
Consumer complaint received 2020-12-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NJ)

LVNV FUNDING LLC XXXX {$880.00} PAST DUE ON A COLLECTION FCRA VIOLATION I HAVE DISPUTED THIS COLLECTION A NUMBER OF TIMES AND STILL COMES BACK VERIFIED
Consumer complaint received 2020-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (MD)

We received a written Payoff Statement from TD Bank on XX/XX/2020 at XXXX. In reliance on this statement, we refinanced our mortgage and wired the full and final payoff balance plus 4 additional days interest to TD Bank on XX/XX/2020. TD Bank accepted that wire payment. As part of our refinance, the title company collected and paid the XXXX property taxes to the County. 

On or about XX/XX/2020 TD Bank called my husband 's cell phone to state it was a collections call for the outstanding balance due on our mortgage. We informed them this must be an error that our mortgage was paid in full in XXXX. This was our first notification by TD Bank. 

On XX/XX/2020, we received a letter from TD Bank stating the payoff statement was incorrect. On XX/XX/2020, TD Bank without our authorization withdrew the second half property taxes from our escrow account in excess of the account balance creating an escrow shortage after TD Bank was in receipt of our full and final payoff on XX/XX/XXXX. TD Bank included these escrow funds in a check that was cut to the County on XX/XX/2020. We have no proof of this tax payment and the County has not posted it to our account. 

We were never notified of the escrow shortage that TD Bank created after receiving our payoff until the collections calls began on XX/XX/XXXX. In fact, TD Bank had just completed an escrow analysis in XXXX after paying our the first half property taxes in XXXX. TD Bank is now demanding an additional {$2800.00}. 

On XX/XX/2020, I spoke to XXXX XXXX who refused to give me his last name ), the supervisor of the loan servicing department, who confirmed that TD Bank received the payoff funds on XX/XX/XXXX. He confirmed that the amount due was caused by TD Bank deducting funds from our escrow account on XX/XX/XXXX. He refused to attempt to contact the County to request a refund of the taxes that TD Bank sent in error and told us we must seek our reimbursement. 

TD Bank is not only penalizing, but also causing an undue hardship to the consumer for their own errors and omissions that started with : 1. incorrect escrow analysis ; 2. unwillingness/refusal to apply the payoff wire ; 3. breach of fiduciary duty to cause an escrow shortage after receiving a full & final payoff ; & 4. lack of any notice to the consumer for over 21 days after receiving and holding the Full & Final payoff ; 5. Failure to satisfy the loan when in receipt of the Full & Final payoff amount ; & 6. Placing the consumer in collections and negatively impacting the consumers ' credit due to TD Bank 's refusal to apply the full & final payment. 

These are unfair, deceptive and egregious financial business practices.
Consumer complaint received 2020-12-29
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: CORELOGIC INC (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, CREDCO add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-12-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FORD MOTOR CREDIT CO. (NY)

I am writing in regards to my account with Lincoln AFS Account # XXXX I had completed this lease in XX/XX/XXXX paid it off with no issues. Yet on my credit report it is reporting a late in XX/XX/XXXX. This is not possible since the account has been closed and paid. I have reached out to Lincoln in regards to this matter they assured me that it was an error on the part of Lincoln and they will correct it ASAP. Two months later and it is still on ( see attached ). I also have a recorded conversation with a customer service member at Lincoln if needed.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have received a copy on my consumer reports and I notice XXXX, XXXX, and TransUnion have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( 3 ) The ( 3 ) Bureau above have furnished Late payments From ( XXXX through XXXX XXXX XXXX and XXXX XXXX XXXX 
XXXXm requesting the above transactions be reversed to paid as agreed or to OK.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I contacted equifax credit reporting agency to remove XXXX XXXX  from my credit report. They sill have not removed it. I contacted XXXX XXXX and the stated they have informed the credit agency to delete it on three different occasions. However it still on the credit report.