davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NJ)

Insurance company issued a check for home repair after a claim, round point mortgage company gave us the wrong address to send the insurance check to be endorsed, twice over the phone, we overnight the check to the address we were provided on two separate occasions, we are then told to expect the check to be returned on XX/XX/11, if not call back, we call back on XX/XX/11 after not receiving the check, and are then told by a supervisor of the XXXX XXXX XXXX, that we were given the wrong address, and the check was mail from the incorrect office address we were given, in TX, to the correct round point mortgage company office in SC, with no tracking, or certified mail. Its now been more then two weeks since round point told us they sent the check from TX to SC, the supervisor, XXXX, has refused our calls and routed us to a customer advocate at the company XXXX, both the supervisor and customer advocate refused to give us a last name as they are the only XXXX, and XXXX at the company the company has told us all they can do is check the daily checks received manifest to see if the check was received, but will not produce any information from the TX office checks received manifest, or provide proff that the check was actually sent from TX to SC, after we were told weeks ago from the supervisor that it was, the only history of the check the company can provide is the tracking information that we had overnighted, and have signature and tracking information from XXXX that round point TX did receive the check, beyond that they refuse to do anything to show any kind of records or make any effort to find the check, and our home has now been destroyed for months, and we are being held hostage by an indifferent mortgage company, who could obviously not care any less because the events described here do not effect them getting their payment on the first of the month, they check is required to be endorsed by the mortgage company because they are supposed to have a vested interest in our property, but it is very clear they do not, and that they will not do anything to correct their mistakes because they dont have to, I have been paying my whole mortgage for months while living in half a home because of round point mortgages indifference. The company has pused us off to a customer advocate who clearly is advocating for the company. This might not be the right place to get help but i am at a loss, and dont know what i can do, the contractors who have handled the original claim need money and have mentioned suing us, for an issue caused and prolonged by round point mortgage.
Consumer complaint received 2024-04-09
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I obtained this gift card from my job and I tried to use it immediately, but every retailer i tried using it on was declined, soI called American Express customer support on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and each time I called the solution was to not use it at whatever retailer I was trying to use it for.
Consumer complaint received 2022-11-12
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)

XXXX continues to report XXXX XXXX and XXXX XXXX accounts as DEROGATORY AND COLLECTION/CHARGEOFF when these accounts have been settled aND PAID. The account status and payment status should reflect PAID AS AGREED AND PAID AND CLOSED. I have disputed this issue with the CFPB and still have not received any help. XXXX continues to violate the law and violate my consumer right to have the accounts reported correctly. I have attached yet again a current copy of the credit report direct from XXXX which shows they are incorrectly reporting these two accounts as derogatory when they should reflect current and paid. I am now forced to hire a consumer attorney and sue the credit bureaus to fix this matter.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of accounts that do not belong to me or were opened without my permission : XXXX Account # : XXXX Balance : {$19000.00} Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Balance : {$4400.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$1600.00} Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Balance : {$11000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXX Balance : {$190.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Balance : {$53.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # : XXXX XXXX : {$1400.00} Date Opened : XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX XXXX : {$320.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX XXXX XXXX {$1300.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX ) Account # : XXXX XXXX XXXX {$50.00} Date Opened : XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX  did not resole the dispute in 120 days, XXXX XXXX XXXX  did not contact my 2 XXXX XXXX XXXX  and XXXX to get that debt paid
Consumer complaint received 2022-11-12
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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.
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited a check for {$24000.00} on XX/XX/XXXX through a Bank of America ATM located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The automated system said that a hold was placed on my funds due to the check being a large amount. When I call to speak with a customer service representative, I still get that message and it says funds will be released on tomorrow, XX/XX/XXXX, however, in my online statements and documents, a letter was uploaded by the bank saying that the deposit was not accepted because it was not properly endorsed. I have made personal financial decisions with the understanding that my funds will be available by tomorrow ( XX/XX/XXXX ), that will very adversely affect me if they are not. These include not being able to pay my XXXX mortgages. 

They attached only the front of the check and the letter was addressed to my husband and not me. The check was made out to me. THEY ADDRESSED THE LETTER TO MY HUSBAND ONLY! Now my check is not being returned and I am being told to contact my client who issued the check. I am very upset because I properly endorsed this check using my name -- XXXX XXXX -- and believe I am being discriminated against as a XXXX woman, because of the amount of the check and the branch where I deposited the check. This branch is very close to my home and I have been depositing checks this way for over 23 years at this branch. 

My husband and I share an account and they assumed it was his check and addressed the letter to him and not me. The fact that they are holding up this check will now result in both of my mortgages being late. They told me to wait for the letter in the mail, which can be 10 days and then come into the branch with my ID and sign and then it will be held for another 7 days. This is unfair. This branch is only open from XXXX, which also makes it very difficult to make it inside the bank. 

This is why I regularly deposit checks through the ATM. Now I do not trust that process at all. This is not the first time there has been a problem with me depositing large amounts of money at this branch. They highly scrutinize and hold the checks for longer than usual times, but this time they flat out rejected the deposit and never showed any proof that the check was improperly endorsed. Please, any assistance that you can provide is appreciated!
Consumer complaint received 2023-04-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: VW Credit, Inc (FL)

VW Credit XXXX is reporting this account like still active when in XX/XX/2020 it was declared total lost due to an accident that I had on this car and my insurance and the XXXX  payoffs the remains of the loan. Now after XXXX years this account reappears sold to a third party without legal rights nor my knowledge. It's the total balance of the loan XXXX which was at that time the total amount on the loan. I called VW Credit and they said that they don't have any information on that account since they sold the loan to a third party.
Consumer complaint received 2022-11-11
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

My wife and I had a checking account with Citizens, due to an involuntary mistake from our side, the overdraft protection of the checking account was activated, this created a debt of {$28.00}, we went directly to the nearest branch to pay the debt and to closed the account, but we were informed by the Branch Manager to forget about the debt and that they were going to take care of that, we insisted several times that it was our responsibility to pay the debt, but they did not let us. 

Not only they did fix internally the problem but also, they did not close the account ; we only found out what was happening when we receive a letter from the bank indicating that we were late for a payment, we immediately went to the branch, pay the debt and close the account, but unfortunately it was too late as they had already reported the late payment to my wife 's and my credit reports. We have been trying with the bank for them to correct the mistake they caused, and on XX/XX/2022 we finally received a letter from Citizens when they confirmed that they had reported incorrectly information to the credit bureaus, and our account was being reported as NO DELINQUENCIES. Then, on XX/XX/2022 we were notified by one of the credit bureaus that a late payment was reported to our credit reports by Citizens again. 

We are right now in a negotiation with another financial institution for a line of credit, we are in jeopardy to be rejected because of this situation,
Consumer complaint received 2023-03-09
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: TD BANK US HOLDING COMPANY (TX)

I am here by putting you in notice of the obvious violations Target has done to my person : I am giving you chance to cure before I sue you and report you to the IRS with form 3949 A for unreported income. 

18 U.S.C 1028 No consent to share my information at all 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 18 U.S. Code 894 - Collection of extensions of credit by extortionate means 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX has sent me a letter on your behalf regarding the continuous reporting on a charged off. Meaning that it was written off. Why are you reporting a balance? 

A charge off account meaning that I should received 1099 C and you never provided that to me. I am giving you 5 business days to take care of my requests or I will sue you in federal court for for the above referenced violations along with : 15 USC 1681 ( a ) 2 12 cfr 226.11 15 USC 1681 ( B ) permissible purposes Total of 8,000 in violations.

I willing to see past the violations and demanding that you report as paid off and XXXX balance along with the late payments or have that account removed immediately. 

Those are your only options before you force your sue.
Consumer complaint received 2022-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

I filed a dispute but was able to resolve the issue and get it figured out with the merchant. So my bank debited the provisional credit they provided to my account. I agreed. But then they also went to the merchant and requested a payment reversal after the fact I cancelled the dispute. Now, the merchant has put my account in delinquent status and is putting my personal belongings for auction in XXXX because my bank failed to cancel the reversal and denied my request to return the payment to them. Im delinquent over XXXX $ because of this. And my bank still denies helping me
Consumer complaint received 2024-03-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NATIONS DIRECT MORTGAGE, LLC (CA)

In XX/XX/XXXX we did a FHA streamline refinance with Nations Direct Mortgage. The impound waiver was not waived and per the final loan closing disclosure, XXXX settlement statement and homeowners policy declarations an escrow impound account for homeowners insurance was to be established and managed by Nations Direct Mortgage. However, Nations Direct Mortgage failed to properly establish and manage the homeowners insurance escrow impound account and in XX/XX/XXXX the homeowners insurance policy renewal was canceled for non payment. We were not aware of this error until we contacted our presumed homeowners insurance company on XX/XX/XXXX. We then immediately contacted Nations Direct Mortgage customer service support and they stated that no homeowners escrow impound account was ever setup for us and they will need to view our final loan closing disclosure and for us to call back in 2 weeks. In the meantime, we have been trying to secure homeowners insurance on our own, but have been unsuccessful. We have applied for quotes and policies for over a dozen insurance companies, but have been denied due to our property being located in CA or from previous home history.
Consumer complaint received 2022-11-11
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/ in accordance with the Fair Credit Reporting act XXXX XXXX Account # 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
Consumer complaint received 2022-11-11
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. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX Account # 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
Consumer complaint received 2022-11-11
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)

XXXX accordance with the Fair Credit Reporting act XXXX  Account Name and number, XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-11-11
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: Experian Information Solutions Inc. (NY)

I sent you a letter on XX/XX/2022 but it's been over a month now I still haven't got a response nor have you guys updated the status of the dispute on my credit report. This time I am seeking help from the CFPB with the hope that you're going to comply this time. This error is affecting me so much.
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I noticed a few unauthorized inquiries on my report I do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And late payments when my account is never late XXXX  In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Consumer complaint received 2022-11-11
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. (NY)

I sent you a letter on XX/XX/2022 but it's been over a month now I still haven't got a response nor have you guys updated the status of the dispute on my credit report. This time I am seeking help from the CFPB with the hope that you're going to comply this time. This error is affecting me so much.
Consumer complaint received 2022-11-11
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. (OH)

ON MY CREDIT REPORTS, I HAVE A XXXX DAY LATE PAYMENT ON MY SUN FEDERAL ACCOUNTS WHICH WAS DONE IN ERROR. I SPOKE WITH A REPRESENTATIVE FROM XXXX XXXXXXXX BY THE NAME OF XXXX XXXX WHO ACKNOWLEDGE THE ERROR AND STATED THAT THE CREDIT BUREAUS WERE CONTACTED TO CORRECT THE ERROR. I HAVE DISPUTED THIS INFORMATION WITH THE CREDIT BUREAUS AND THEY CONTINUE TO SAY THAT THEY INVESTIGATED THE INFORMATION AND FOUND IT TO BE CORRECT ; WHEN IN FACT IT IS AN ERROR THAT THEY REFUSE TO FIX. MY ACCOUNT WAS NEVER XXXX DAYS LATE AND THE XXXX XXXXXXXX XXXX XXXX SUBMITTED THE CORRECT INFORMATION WHICH TRANSUNION, XXXX AND XXXX WILL NOT FIX. 
THIS IS A VIOLATION OF THE LAW TO HAVE INCORRECT INFORMATION REPORTING ON MY CREDIT FILE, NOT ONLY THAT, MY XXXX XXXX DECREASED OVER XXXX POINTS BECAUSE OF THIS. IT ISN'T FAIR THAT MY XXXX XXXX AND MY CREDIT FILE HAVE TO SUFFER DUE TO AN ERROR THAT HAS BEEN DISPUTED NUMEROUS TIMES AND THESE CREDIT REPORTING AGENCIES REFUSE TO FIX.
Consumer complaint received 2022-11-11
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. (OH)

ON MY CREDIT REPORTS, I HAVE A XXXX DAY LATE PAYMENT ON MY SUN FEDERAL ACCOUNTS WHICH WAS DONE IN ERROR. I SPOKE WITH A REPRESENTATIVE FROM XXXX  XXXX BY THE NAME OF XXXX XXXX WHO ACKNOWLEDGE THE ERROR AND STATED THAT THE CREDIT BUREAUS WERE CONTACTED TO CORRECT THE ERROR. I HAVE DISPUTED THIS INFORMATION WITH THE CREDIT BUREAUS AND THEY CONTINUE TO SAY THAT THEY INVESTIGATED THE INFORMATION AND FOUND IT TO BE CORRECT ; WHEN IN FACT IT IS AN ERROR THAT THEY REFUSE TO FIX. MY ACCOUNT WAS NEVER XXXX DAYS LATE AND THE XXXX  XXXX XXXX XXXX SUBMITTED THE CORRECT INFORMATION WHICH XXXX, EXPERIAN AND XXXX WILL NOT FIX. 
THIS IS A VIOLATION OF THE LAW TO HAVE INCORRECT INFORMATION REPORTING ON MY CREDIT FILE, NOT ONLY THAT, MY XXXX XXXX DECREASED OVER XXXX POINTS BECAUSE OF THIS. IT ISN'T FAIR THAT MY XXXX XXXX AND MY CREDIT FILE HAVE TO SUFFER DUE TO AN ERROR THAT HAS BEEN DISPUTED NUMEROUS TIMES AND THESE CREDIT REPORTING AGENCIES REFUSE TO FIX.
Consumer complaint received 2022-11-11
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. (OH)

ON MY CREDIT REPORTS, I HAVE A XXXX DAY LATE PAYMENT ON MY SUN FEDERAL ACCOUNTS WHICH WAS DONE IN ERROR. I SPOKE WITH A REPRESENTATIVE FROM XXXX XXXXXXXX BY THE NAME OF XXXX XXXX WHO ACKNOWLEDGE THE ERROR AND STATED THAT THE CREDIT BUREAUS WERE CONTACTED TO CORRECT THE ERROR. I HAVE DISPUTED THIS INFORMATION WITH THE CREDIT BUREAUS AND THEY CONTINUE TO SAY THAT THEY INVESTIGATED THE INFORMATION AND FOUND IT TO BE CORRECT ; WHEN IN FACT IT IS AN ERROR THAT THEY REFUSE TO FIX. MY ACCOUNT WAS NEVER XXXX DAYS LATE AND THE XXXX XXXXXXXX XXXX XXXX SUBMITTED THE CORRECT INFORMATION WHICH XXXX, XXXX AND EQUIFAX WILL NOT FIX. 
THIS IS A VIOLATION OF THE LAW TO HAVE INCORRECT INFORMATION REPORTING ON MY CREDIT FILE, NOT ONLY THAT, MY CREDIT SCORE DECREASED OVER XXXX POINTS BECAUSE OF THIS. IT ISN'T FAIR THAT MY CREDIT SCORE AND MY CREDIT FILE HAVE TO SUFFER DUE TO AN ERROR THAT HAS BEEN DISPUTED NUMEROUS TIMES AND THESE CREDIT REPORTING AGENCIES REFUSE TO FIX.