davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

ALL 3 " CRA '' REPORTING OUTDATED ACCOUNTS NOT MINES AND NEVER DONE BUSINESS WITH COMPANIES : " XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX '' ... REMOVE ALL FROM CREDIT FILE
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

I changed my address on one of the companies websites over a year ago and their records were not updated. They have 3 different websites- equifax XXXX equifax lock & alert and now my.equifax.com. i just need one site with everything on it without having to type a 'dot ' in the name. Also the website locked me out after i put in the correct password. It won't just tell me that i have to change my password-it leaves me wondering why i can't log in. Also when i had to call customer service over this the agent sent me a link to reset my password and after i reset it locked me out again for 25min. After that i was able to log in. This whole ordeal took 40 min when all i wanted to do was temporarily unfreeze my account.
Consumer complaint received 2024-02-23
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-13
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. (FL)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2022-10-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC (IA)

I have tried multiple times to straighten out situation with XXXX XXXX XXXX and XXXX but investigation results continue to come back in accurate. Account is stating account status Closed with {$0.00} balance yet reporting payment status charge off with both XXXX XXXX and XXXX while XXXX reports account status indeterminate with perfect payment history all the way to XX/XX/2022 yet missing data on date of last payment this is not possible. Reporting inaccurate date last report it and date last active. there is no way account can be closed with no remaining balance reporting perfect payment history but yet reporting charge off. I do not agree with the results to this investigation.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-28
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. (TX)

In accordance with the Fair Credit Reporting act 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 a account without my written permission
Consumer complaint received 2021-06-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

WELLS FARGO VIOLATED " FCBA '' AND TRUTH-IN-LENDING ACT WITH NOT PROVIDING UNEXPECTED NOTICE RECEIVED NOT IN TIMELY MANNER AS REQUIRED PER STATED ABOVE PROVISIONS, COMPANY SENT INCORRECT DATA OF MORTGAGE ESCROW, COMPANY OVER CHARGES / FEES AND PAYMENT
Consumer complaint received 2020-06-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CMG MORTGAGE, INC (FL)

I was browsing for vacant land for sale. One real estate site required I create a login to continue browsing so I did so. The next morning I had an email from a lender with a mortgage company asking if they could assist me with a home purchase. I asked how they got my information from XXXX XXXX and they said they were a preferred lender and when someone registers on the site they pair them with a lender. Isnt trading my personal information and giving leads to a mortgage company a thing of value under RESPA rules? The lender and mortgage company is XXXX XXXX, Mortgage Loan Officer NMLS XXXX, CMG Financial NMLS XXXX.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (IN)

My wife and I had an Auto Lease Loan with US Bank ( via XXXX of XXXX ). The lease expired on XX/XX/2020 and the vehicle was returned and the end of lease paperwork sent to US Bank. However, they kept sending us bills post lease end date and did not acknowledge lease had ended until XX/XX/2020. In the meantime, a payment late has showed up on our credit history and attempts to get rid of it has been unsuccessful. 

Please help.
Consumer complaint received 2020-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (VA)

I had a 30-year mortgage with Pentagon Federal. A year ago this past spring, I decided to look at refinancing it, because of the falling interest rates. Of course I went to PenFed. 
After all was said and done, I was told that the monthly payment on a 20-year mortgage would be {$680.00}. This was quite a reduction in my monthly payment, and I took it. I did have one problem after getting the mortgage, I got a notice from my insurance company that my payment was due and hadnt been made yet. I notified PenFed, and it got made ; no one said anything about you know, youre supposed to be paying the insurance yourself, or anything like that. 
Everything was fine until this spring. I got a notice that my payment was being reduced to {$660.00} a month, and a refund check which I think was supposed to be a refund of excess escrow. I thought this was odd, and held the check a little while before cashing it. I should have held it longer, because I soon got another notice, this one that my payment was being raised to {$740.00} a month. 
I called PenFed, and and asked what was happening. I was told that my payment was raised because of my insurance. I contacted my insurance company and was told that no, the cost of my insurance had not gone up. I called PenFed again. And thats when I found out what really happened. 
When my loan payment was originally calculated, the calculation didnt include anything for insurance. ( And apparently they did this twice - when I first got my loan, and again when my payment was reduced to {$660.00}. ) I asked why, and was told that when I applied for the loan, my insurance had just been paid, and why would they charge me for something that had just been paid? ( Isn't that what escrow is for? ) The same representative who said this also said I should have been told that my payment would go up. 
Calling PenFed has offered me no relief, the representatives will only tell me that my escrow account is low and I need to catch it up. So in XXXX I wrote to PenFed, at the published address for mortgage complaints, and have not received a response. They apparently calculated my loan payment without insurance Twice, but paid the insurance. This is their error, not mine, but now I'm paying {$64.00} a month more for it. 
The ironic part of all this is that PenFed held the mortgage I was refinancing, so they had my insurance information when I applied for the refinance. And my insurance was in escrow on that loan because they insisted on it - previously, when another institution held my mortgage, I paid my insurance myself.
Consumer complaint received 2024-02-23
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
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)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.
Consumer complaint received 2022-10-05
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: Experian Information Solutions Inc. (SC)

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 2020-06-10
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. (AR)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal trade laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws
Consumer complaint received 2020-01-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I have been contacting LVNV about a {$690.00} collection that has been reporting on my credit reports. I have disputed this unverifiable debt. They have NOTHING with MY signature on it to verify this account is mine. they have closed the account on one bureau, deleted from another bureau, and showing on equifax. This is illegal ; and needs to be DELETED from my credit bureaus.
Consumer complaint received 2021-11-23
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. (MO)

I have been contacting the companies and credit bureaus for XXXX now and nothing has been done. I have been a victim of identity theft. I have been so stressed over this account and these addresses that dont belong to me. It has been causing me to be denied for further credit and it has really taken a toll on my family financially during the pandemic. I need TransUnion to take this complaint seriously and delete the account and the addresses immediately. I have attached a copy of the Federal Trade Commissions Identity Theft Affidavit.
Consumer complaint received 2020-06-10
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (FL)

I have a mortgage with BSI Financial Services. They have been overcharging me for insurance past two years. I called them over 30 times and numerous emails to tell them I have my own insurance in 2020 and upload all the documents to their system .they never returned my calls. They placed lender-placed insurance for {$4600.00} even do I have my own insurance. When I called today they said they changed their insurance department and no one seems to help me. They did same thing last year as well.
Consumer complaint received 2020-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AL)

I have requested NUMEROUS times to have my mortgage statement MAILED to me. I initially requested e-statements but decided later I wanted a paper statement. 

The loan company is XXXX AKA LoanCare. My loan was to XXXX and I guess XXXX went into bankruptcy and this new company bought their portfolio. Anyway - I want a paper statement.
Consumer complaint received 2020-01-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

I have been disputing this account for a long time and I havent got any fair result on this. The account was reported inaccurately because this is paid as it is indicated yet it is still in collections. Please help me get rid of this.
Consumer complaint received 2020-06-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (IN)

Received a phone call and Voicemail from XXXX XXXX from ( XXXX ) XXXX stating " This is XXXX XXXX calling for XXXX XXXX this is a courtesy call regarding a claim in my office my intent at this time is to move forward by the end of the business day for whatever reason there was a failure to respond I also need to inform you my efforts were documented the claim has been verified and you were notified and concerns please contact XXXX ... '' I returned the phone call at XXXX XXXX to inform them that I have requested serval times that they contact me via mail and not to call me anymore. When the phone was answered it was gentleman that did not give me his name and denied speaking with me in the past and was belligerent with me and told me that they will send me a summons and disconnected with me. I immediately call back and a woman answered I tried to explain the situation and told her I was filing a complaint, to which she stated you didn't need to call back and hung up on me. I do believe this is a collection agency trying to collect on a JC Penny Card that was paid off in XXXX, and is no longer on my credit report.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION (MS)

On XXXX XXXX, I went to regions bank to reopen my life free access checking account. I previously had a checking here and closed in good faith due to location of branches and house ( travel ). I previously funded new account with same debit card I brought with me today. At least XXXX was required to open account. We it came time for paperwork, the agent told me to go outside to atm instead of swiping my card as usual and per website policy stating a debit card can be used to fund new accounts. ATM was not a walk up kind but drive through. I felt uncomfortable around all the traffic and went back in. She stated I could go to teller to fund it up there. I preceded to go to teller. I handed her the account number and my ID ad debit to fund new account. She took one look at me and said we don't do that here. You have to go outside t atm. Which atm would have racked up fees on both sides for not being compatible with either bank. I told her my cad is a legitimate XXXX  debit with a valid checking and routing number. She asked the teller beside her and she sadno because someone else tried to get all their money off a type of refund tax card th other at. I told her this is not that type of debit card and she didn't even try to swipe my card to see if it could fund my new account preceded to tekl me they updated their policy recently that they wont let anyone who wnars their refund off their cad to ooen a chcking account. I've already been established at this bank. I went to XXXX  after and had no issues with my debit. Thereller at regions didn't eve try ad profild me into thinking it was a fly by night tax card not a legit checking XXXX  debit. I guess because the infux of people getting their refund today, everyone was trying to use region 's to get their money off. Al she needed to do was withdraw XXXX. And I could have linked them later. But XXXX refused assistance and would not try which was absurd to say he least since I was a return customer. Needless to say, I've used the same debit card to fund XXXX years ago with an agent behind the desk with XXXX swipe of it. They were just basically profiling me. An ATM outside by the vehicles is dangerous as well. Not to mention fees associated with neither bank being in agreement. I made sure of these policies before driving XXXX miles to this bank. They accept any valid XXXX  or MasterCard debit to fund new account.
Consumer complaint received 2021-11-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I did a moneygram transfer to my relative because she needed money moneygram rejected it they took it from my account in seconds, and said it will take 10 days to return it they are holding my money and earning interest on my money and I need my money back they can take it in seconds but not return it immediately. Thats not right and not fair.
Consumer complaint received 2020-01-02
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY (MT)

On XX/XX/2019 I filed a complaint with CFPB regarding the violation of the FDCPA conducted by TD Auto Finance ( XXXX Complaint # XXXX ). Starting approximately 2 weeks ago TD Auto Finance has AGAIN started calling me by masking their phone # and even worse calling me at work on or about XX/XX/2019 & XX/XX/2019. Both days they called me at work I was off and they spoke to my Boss inquiring where I was and that it was imperative that I call them. 

My initial complaint with CFPB was addressed by TD Auto Finance representative XXXX XXXX ( XXXX ) XXXX. She reached out to me by calling me and assured me that TD Auto Finance will stop trying to contact me. I advised her that I'm formally advising TD Auto Finance to " CEASE & DESIST from ever contacting me by personal phone and especially at my work phone. Note : Since I obtained my auto loan with TD Auto Finance I HAVE NEVER been 30 + days late and my loan has always been in good standing & never placed in default.
Consumer complaint received 2020-01-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (CA)

Have been paying this loan on time every month but Wells Fargo is not applying payments correctly. Sent a certified letter with past proof of payments with XXXX payment. Wells Fargo has still not addressed or fixed the problem and has not deposited my XXXX payment.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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