davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

This company is still reporting on an account that was closed and transferred in XXXX. As of XX/XX/XXXX they reported that the account was in an active collection with a {$0.00} balance. They should not be reporting at all on this account. I was about to close on a purchase of a home and this completely derailed me from purchasing a home and I was denied credit. I want this trade line removed immediately.
Consumer complaint received 2019-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America frequently holds my mortgage payments then charges me late fees. 
This month they charged me {$100.00} in late fees. Ive had this problem before and had to contact you about them. 
I always send my payments certified so I can track them. yet they still say they didn't receive them on time. 
this is a game they have been playing for years
Consumer complaint received 2020-02-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (NY)

I have went to the police and gotten a police report, sent it over to Chrysler Capital urging them to discontinue reporting a fraudulent car loan that apparently was taken out on XX/XX/2014. My name was used along with my other personal identifying information. I have submitted a fraud packet to Chrysler Capital as they requested I do and it didnt change a thing. I have contacted XXXX  over and over again and they dont seem to care about it. This has been getting reported on my credentials with XXXX  as delinquent and derogatory. XXXX  and XXXX  had not problem removing it but XXXX  has been playing hard ball. Because of this fraudulent account being on my credentials I have since been denied for credit cards, personal loans, jobs, apartments, etc. I have a stack of about 15 denials I have had over the years because of this false information. Going back and forth with these companies for the last 6 years has caused me a great deal of stress and anguish. I pay my debts, I have since had a auto loan with XXXX XXXX of which has been completely paid off and have a current one with XXXX XXXX XXXX, which I have been on time with all my payments since the beginning. It doesnt make sense to not pay a loan that was never mine. Please Help!!!
Consumer complaint received 2023-02-05
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: Experian Information Solutions Inc. (IN)

These INQUIRES are Not Mines, They Don't Belong To Me ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX VP of XXXX XXXX XXXX XXXX contacted me with an unsolicited email wanting to engage to offering to adjust my mortgage rate that was just taken out with XXXX XXXX and after mortgage close was sold to XXXX Bank. I asked him to call me to provide information as to how a reduction in my rate was possible through XXXX XXXX when my Mortgage was no longer with XXXX XXXX. I was asked to " authorize him to review my XXXX XXXX Account '' before he could provide further information. Prior to providing information he did a " Hard pull on my credit report '' WITHOUT MY AUTHORIZATION. 

The tactics of XXXX XXXX were very suspect from the initial contact, the tact that was taken was very to be very " Slick '' in convincing a consumer that they were offering a no cost solution to adjust mortgage rate since mortgage was less than 3 months old which I already knew was a complete lie and he was attempting to have my mortgage refinanced as a new mortgage with XXXX XXXX which I had no interest in doing. 

At no time did I engage to start a process in a refinance of my existing mortgage and yet he did a hard pull on my credit without my approval.
Consumer complaint received 2019-01-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Southwest Business Corporation (AR)

MY LENDER SWBC WAS REQUESTING FOR PROPERTY TAXES : I HAVE EXPLAINED MULTIPLE TIMES I AM TAX EXEMPT BECAUSE OF THE STATE THAT I LIVE IN BEING A VETERAN AND MY AGE THEY ARE AWARE OF THIS THEY ARE SERVICING MY LOAN I HAVE ALWAYS BEEN TAX EXEMPT. I ASKED TO CONTACT THEIR ESCROW DEPARTMENT AND THEY REFUSED. THEY STATED THEY WILL NOT REVIEW MY DOCUMENTS BECAUSE I DID NOT SUBMIT THE WRITTEN LETTER OF EXPLANATION OF MY TAX EXEMPTION BY XX/XX/2019 THEY CLAIM THEY RECEIVED ON XX/XX/19 AND THEY WILL NOT REVIEW IT.
Consumer complaint received 2020-02-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I RECNTLY STARTED MONITERING MY CREDIT AND I SEE MANY ACCOUNTS THAT ARE NEGATIVE ON MY REPORT THAT I NEVER OPENED. I AM ANGRY MY INFORMATION WAS COMPRIMISED AND SOMEONE USED MY INFORMATION. I FEEL VIOLATED AND I WANT THESE INACCURATE ACCOUNTS REMOVED
Consumer complaint received 2020-02-29
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. (NV)

I RECNTLY STARTED MONITERING MY CREDIT AND I SEE MANY ACCOUNTS THAT ARE NEGATIVE ON MY REPORT THAT I NEVER OPENED. I AM ANGRY MY INFORMATION WAS COMPRIMISED AND SOMEONE USED MY INFORMATION. I FEEL VIOLATED AND I WANT THESE INACCURATE ACCOUNTS REMOVED
Consumer complaint received 2019-12-05
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)

CRA continues to violate FCRA 605A. Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ] 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] Several other consumer protection laws, state laws and federal laws. 

Also CRA is claiming that they haven't received any correspondence by way of the CFPB from me.
Consumer complaint received 2019-12-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (IL)

On XX/XX/19 I have received notification form the credit bureaus in reference to an alleged debt reported on my credit file from Midland Credit Management in reference to XXXX XXXX XXXX. Midland Credit Management has not notified me of this debt via mail or phone call in reference to this alleged debt owed. Midland Credit Management began reporting this alleged debt on XX/XX/19. It is illegal and a violation of my right.
Consumer complaint received 2021-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. ()

I'm a retiree living in XXXX with a bank account in XXXX, Texas. The only means I have of drawing money is through local ATM machines. 

My debit card expired at the end of XXXX, XXXX I had not received my new card by mid XXXX and phoned the customer service number for international ( XXXX ) clients. They told me my card was on the way. Great. 
The exploration date expired and still no card. I phoned again. This time I was told the card was sent out in mid-XXXX. I told them that the card was not received. They said they would send me another one, and report the first card as lost. 
So, on XX/XX/XXXX, mind you, 13 days without any access to my money, a card arrived. I tried to activate it, but the automated service told me the numbers on the card were invalid. I phoned customer service and they told me the card was the first card they sent ( although they said previously that card had been sent mid XXXX, *two months* earlier ) and that they could not activate it since it was declared lost. So, they told me they would send me another card and to expect it within 7 to 10 working days. Remember, that would mean over 20 days that I have not yet been able to access my money to live on. 
I phoned again on XX/XX/XXXX and this time talked to a specialist. He said he understood my plight and would expedite my card, and I should receive it with 3 to 5 days. 3 days later a card came, but it was the " lost '' second card, and I was told I could not activate it. So, where was the 3rd card, the one I was supposed to get in 3 to 5 days? I haven't received it yet. I phoned again and was told the card was XXXX and was to be received by XX/XX/XXXX. ( What happened to the 3 or 4 days I was told I would get it? ). It looks like I have been consistently lied to, told the card was on its way, when it wasn't, that it was sent in XXXX when it wasn't, that I would receive it in 3 to 5 days, and then 2 weeks later I have yet to receive it. Somewhere along the way they claimed their card vender was behind schedule, but I don't know if I believe that now. And I doubt I will get the new card by XXXX XXXX, like they say. 
So -- to rehash, my card expired at the end of XXXX. XXXX is in 2 more days and I still haven't received a valid card. I am an old guy depending solely on my debit card to finance my life. I HAVE NO OTHER ACCESS TO MY MONEY. My wife and I are living on modest funds she set aside for her XXXX year old mother 's funeral, when the time comes. I should point out that the bank, Compass Bank BBVA is transitioning to PNC bank in Texas. I should also point out that their customer service is terrible. Not only have they lied to me, they are at times hard to understand, at least twice they accidently disconnected my phone conversation. And, did I mention, they lie. As I told them on more than one occasion, " THIS IS OUTRAGEOUS. '' Someone's life is at stake.
Consumer complaint received 2022-09-29
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. (IN)

In accordance with the Fair Credit Reporting act 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 2023-12-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: United PanAm Financial Corp. (MO)

XXXX  Auto Loan was paid off to the original creditor XXXX XXXX XXXX XXXX. I have included the lien release letter and a payoff letter dated XX/XX/XXXX received from XXXX XXXX XXXX XXXX. I, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, private civilian do NOT have a contract with the entity United Auto Credit XXXX The new Creditor : United Auto Credit - Debt Amount : {$37000.00} - Date Of Assignment : XXXX XXXX Request was made to caller for a copy of contract ( with wet ink signatures by the lXXXX XXXX and XXXX XXXX XXXX XXXX XXXX ), XXXX  XXXX and XXXX and still nothing provided. Written request has been sent with notice and claim, public notice of debt discharge, notice of surety/subrogation, and debt of assignment by surety. United Auto Credit has placed false information on the credit report as a " new loan ''. [ Title 15 USC 1681n ] Civil liability for willful noncompliance, [ Title 18 USC 1951 ], interference with commerce by threats or violence, [ Title 15 USC 1692b ] Debt collectors are prohibited from using any false, deceptive, or misleading representation or means in connection with the collection of a debt, [ Title 15 USC 1611 ] criminal liabilities for willful and knowing violations, [ Title 15 USC 1681b ] addresses the permissible purposes for which consumer reports can be obtained and used, [ Title 15 USC 1681c ] is to protect consumers ' privacy and ensure fair and accurate reporting of their credit information. [ Title 18 USC 1001 ] statements and entries generally, [ Title 42 USC 1986 ] actions for neglect to prevent, [ Title 15 USC 1639a ] duty of servicers of residential mortgages, [ Title 15 USC 35 ] recovery of damages, etc., for antitrust violations from any local government, or official or employee thereof acting in an official capacity.
Consumer complaint received 2023-12-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (RI)

I have had a Citi Best Buy credit card for 9 years. I am XXXX. I have never missed a payment on the card or a minimum payment. I'm 100 % on time. Citi bank has decided to call me 4 times a day every day. This is violating basic rights. Thank you.
Consumer complaint received 2020-02-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I am concerned that BoA may have been used in a fraud on its depositors. I contacted my account at BoA and was informed online that I needed to provide the correct contact information for a credit card number I do not have ( last 4 numbers XXXX ). I called BoA who passed me off to several different lines, none of whom responded. I was online with no response for 45 minutes ( I timed this so I could report it ) and then called my wealth management adviser. I learned that this might be phishing, but I could not get it resolved. I would like the CFPB to be aware that BoA accounts may be insecure or may have been inadvertently penetrated. Regardless, they provided no assistance when I called to alert them of the occurrence and at one point, dropped my call.
Consumer complaint received 2021-08-30
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. (NY)

There is an error on my credit report stating that in XX/XX/2020, we were 30 days late paying our mortgage. I have supplied the credit bureaus, especially Experian, with the correct information. I even supplied a letter from the mortgage company stating it was their error and we were never late. This has taken more than 4 months and several disputes & is never corrected. I have spoke, to the mortgage company & they have stated that they submitted the correct information to all credit bureaus, yet nothing has changed.
Consumer complaint received 2019-12-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I was underpaid on my XXXX  store card payment by $XXXX which is issued by Comenity bank and when I realized the error I paid it and also inquired if they will accrue any fees or interest for a charge that was so small. I received a response advising since I was late that they have to charge me the late fee and since I requested a late fee reversal in the past that they will not grant another one. I feel that this is a form of predatory lending as now I owe express $XXXX   for a missed payment of only $XXXX

Please see a copy of the email I sent directly to them I also requested them to close the account which they also did not do.
Consumer complaint received 2021-08-30
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. (SC)

This is not a dispute request, but a complaint that my rights as a consumer have been violated under the FCRA because I have not heard anything from the bureaus in 90 days regarding my disputes and I have sent 3 dispute letters requesting an investigation to the following accounts : - XXXX XXXX # XXXX - XXXXXXXX XXXX XXXX XXXXXXXX - XXXX XXXX
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

Hello. Back on XX/XX/XXXX, I had two XXXX XXXX XXXX accounts ( XXXX XXXX Visa ending on XXXX  and XXXX XXXX XXXXX ending on XXXX  ). During the same month I had some fraudulent charges on my XXXX  account ending on XXXX. I reported it to XXXX XXXX XXXX. They closed the account and issued a new card ( ending on XXXX  ). I moved to a new address and that card never made it to me. Again, they canceled that card and re-issued a third card ( ending on XXXX  ). Thats the one I currently have.

Equifax has had INNACURATE information on my file since XX/XX/XXXX. According to Equifax, I have only one XXXX XXXX XXXX Account ( Visa ) ending on XXXX. I called them to tell them XXXX XXXX XXXX closed my XXXX  account ( because of fraudulent charges ). But they re-issued a new card ( now ending on XXXX  ). They said they have never received this new information. When I called XXXX XXXX XXXX about it, they ( XXXX XXXX XXXX ) said they have been reporting every month since then. I believe them because XXXX  and XXXX  do have the information right. Equifax is the only agency thats missing my new XXXX  account. They are conveniently omitting this information from my credit file. This happens to be my credit card with the highest available credit ( currently at {$1600.00} ) and with a credit utilization well below 30 % ( now at {$420.00} ). This is my fourth complaint about Equifax in the last six months. Thanks for your help CFPB.
Consumer complaint received 2021-08-30
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: PNC Bank N.A. (TX)

Inaccuracy of report with many violations open XX/XX/2019 for {$17000.00} I asked of the violations to be removed as many are occurred. I have uploaded all documents needed to show of proof of violations.
Consumer complaint received 2019-12-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: BMW Financial Services NA, LLC (VA)

I had a 3-year (30,000 miles) vehicle lease from MINI Financial Services, XXXX XXXX XXXX, XXXX, OH  XXXX for a XXXX XXXX XXXX under MINI Financial Services Account Number XXXX. All lease payments were paid on time and the vehicle was returned to MINI Financial Services via its local dealer at the end of the lease on XX/XX/2019 with only XXXX miles on the odometer (versus 30,000 miles allowed). I was billed for a “disposition” fee of $XXXX which I paid on XX/XX/2019 upon receipt of the bill (Exhibit 1). At this point I did not expect to receive any more bills from MINI Financial Services since I do not have possession of this vehicle as acknowledged by MINI Financial Services (Exhibit 2). However, MINI Financial Services sent a bill through US Post Officer from MINI Financial Services dated XX/XX/2019 for “Vehicle Property Tax-XXXX   County, VA” for $XXXX (Exhibit 3). Since I was out of town from XX/XX/XXXX through XX/XX/2019, I did not realize that I had received this bill, which I had not expected. Upon collecting my mail I called MINI Financial Services on XX/XX/2019 and spoke to XXXX XXXX who demanded that I send full payment for $XXXX to cover the Property Tax bill that MINI Financial Services had received from XXXX   County, VA. I told Mr. XXXX that I was disputing this payment because this is an annual property tax that I did not owe because I did not possess the vehicle after XX/XX/2019. When Mr. XXXX   insisted that I pay the whole amount, I asked him to send me the bill which he refused to do.  (I have still not received the bill as of XX/XX/2019.)Since I did not receive the bill, I called XXXX County Tax Department to inquire about the bill. They could not send me the bill because the ownership of the vehicle is with MINI Financial Services, however they pulled up the records pertaining to this property and told me that MINI Financial Services had paid the bill late and the county had revised the bill amount to $XXXX which is 50% of the original bill amount of $XXXX and refunded $XXXX to MINI Financial Services (Exhibit 4).MINI Financial Services is trying to make me reimburse them for twice the amount that they owe XXXX County for taxes.
Consumer complaint received 2020-02-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect. 


INCORRECT ADDRESS : XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV  XXXX INCORRECT NAME Reported : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, INCORRECT Telephone Numbers Reported : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX INCORRECT Employment Data Reported : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I have sent 2 letters to remove the extended fraud alert from my credit alert.

I received a letter from Equifax dated XX/XX/2021, asking to provide identification information and I have sent this information before. I am not asking to extend the fraud alert. I am requesting to remove the extended fraud alert.

Letter enclosed from equifax. With the letter I sent, along with social security card and copy of ID