davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I am submitting this Complaint To CFPB. I was tod that if I had a complaint submit it to CFPB. What do you do? From my perspective, you always defending XXXX XXXX XXXX and Carrington Mtge. They close the Complaint by writing Duplicate. The Complaint is NEVER answered. I am requesting CFPB do an INVESTIGATION of Our Mortgage Loan. 
I am asking CFPB to have Carrington Mortgage and XXXX XXXX XXXX to CORRECT our Mortgage Loan and take our Home out of Forclourse and Cancel the Short Sale for XX/XX/scrub>XXXX XXXX XXXX Our home has 4 wrongful Forclourse. We have never miss a payment. The Bank is committing the Act of PREDATORY Lending and I want a INVESTIGATION and a AUDIT of our LOAN
Consumer complaint received 2019-12-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

I got aa call from the same number of my. Bank peoples United. I banked with them for the better part of 25 years the last 20 at the current branch down the street from my apartment. XXXX XXXX at XXXX, ct. On XX/XX/XXXX Friday. My first week on the XXXX Job I got a call from the banks number saying I had suspicious activity in Texas someone using my card. Then the caller said rip up the card and they will issue me a new one by fedex in two days. They proceeded to ask online verification questions. Next thing I know, when I go to my bank on Tuesday there was nothing in it. I had just started at this XXXX, CT XXXX XXXX XXXX  department. I was and still am still am a XXXX XXXX in XXXX, CT I do a lot of XXXX  work in the community CT. They took my savings transferred it into my checking and then withdrawals the checking and my credit line. I file a fraud claim that same day I found out XX/XX/XXXX. On XX/XX/XXXX the bank investigation was done and they said although the transaction was not authorized by me, they were not libel the authorization code was generated through my phone. This is outrageous. It was a scam. I did not authorized this wipeout I reported with in 5 days or Two or three business days. It should be covered under FDIC. They know I didnt make any these transaction from XX/XX/XXXX to XX/XX/XXXX. I closed the account immediately the same day I went to the bank. They say the computer servers where the transaction occurred was from XXXX.
Consumer complaint received 2019-11-26
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$120.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2019 and the subsequent response received on XX/XX/2019 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616,  and pursue legal action. 
-COLLECTION ACCOUNT- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, 2019 with a credit limit of {$120.00} -This is not my account.
Consumer complaint received 2021-09-30
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. (MS)

I am XXXX XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. My request for the verification and deletion of unverified and erroneous information has been diligently neglected by Equifax. Despite sending them the last dispute letters dated, XX/XX/XXXX, for the said request, they stated items were verified. I was not provided a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA, all items that can not be verified must be deleted immediately.

They are still reporting inaccurate and unverifiedinformation on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting inaccurate and unverified information. 

Below are the unverified accounts that remain on my report : XXXX XXXX XXXX XXXX US DEPTARTMENT OF EDU US DEPARTMENT OF EDU XXXX XXXX XXXX US DEPT. OF EDUCATIO Below are the unverified inquiries that remain on my report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP (CA)

I XXXX XXXX XXXX XXXX did not consent to, authorize nor benefit from the following account. Block and remove it. The address is different from my physical address. As a consumer my rights are being violated, my reputation has been ruined. Which has impacted my credit in which has impediment me from providing for myself and my family. It has caused me emotional trauma that has hindered me and my family from progressing forward in our lives. They violated Federal Law with 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ) and 15 USC 1681a ( 4 ) 1692d ( 1 ) 1692b ( 2 ) 1692d ( 5 ) 1692c ( c ) 1692g
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have an old XXXX auto loan on all 3 of my accounts that shows as charge off. 
There is and have been errors i tried to correct & dispute. 
between XXXX, XXXX, XXXX XXXX TransUnion. 

XXXX XXXX XXXX Date opened XX/XX/2017 XXXX has enough legal issues on credit reporting where i should not have to be trying to fix this issue for over a year. 

Especially just one of the cases enforced by you " CFPD ' plus others EX : https : //www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-settles-with-santander-consumer-usa-inc-for-credit-reporting-violations-in-connection-with-its-auto-loans/
Consumer complaint received 2019-12-12
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)

I checked my credit report ( # XXXX ) and saw incorrect addresses i never lived at. I tried disputing the address but a message stated I can not process a dispute online. The addresses that do not belong to me are because I Never lived there are : 1 ) Address ID Number : XXXX for XXXX XXXX XXXX XXXX XXXX, FL XXXX. This Address was reported to Experian by XXXX XXXX and this account is currently under dispute for incorrect information and 2 ) Address ID Number : XXXX for XXXX XXXX XXXX XXXX, FL XXXX. 

There are also incorrect versions of my name that need to be deleted : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have attached my ID to verify the spelling of my first, middle and last name. My current address is XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX but I have not gotten my Drivers License updated as of yet.
Consumer complaint received 2022-08-16
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. (MN)

I have a XXXX credit card. I have had this credit card for over 8 years. The payment history reporting is incorrect to all 3 bureaus. Payment history shown on my reports only goes back to XXXX, but should go back the 7 years allowed to XXXX. This is resulting in inaccurate on time payment percentage calculations that are significantly impacting my credit score. I first noticed this problem when I was late on a payment in XXXX of XXXX. I have disputed this information with XXXX card. I believe I began the dispute in XXXX of XXXX. They closed the dispute and nothing has changed. I have called them several times since then, most recently in XXXX of XXXX and they now say there is nothing they can do on their end, that it is the credit reporting agencies who are in error. I filed a dispute with XXXX in XXXX of XXXX. They sent me an email saying they had closed the dispute. I called them to follow up and was told that they do now have the payment data going back to XXXX but that it would take until the last week of XXXX to show up in their systems. I checked on ( XX/XX/XXXX ) and it was still not showing up. I filed a dispute on CFPB with XXXX, Transunion and XXXX on XX/XX/XXXX. XXXX has closed the dispute after claiming that they have verified the information they are showing from XXXX is accurate. However, the information is still not accurate. As of today ( XX/XX/XXXX ) the most recent payment shown on the XXXX report is XXXX of XXXX.
Consumer complaint received 2021-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

7. XXXX XXXX - xxxxxxxxxxxx XXXX Reason # 1 : Account status is reporting as charge off.

Reason # 2 : Date reported is inaccurate.

Reason # 3 : This account does not report on XXXX or XXXX, which leads me to believe this is completely inaccurate due to lack of consistency among the CRA. 
Reason # 4 : Date last active is inaccurate Typiclly, I try and handle things with the CRA themselves, but XXXX has been difficult and given me a difficult time regarding these errors. Accounts needs to be delted for continuous inaccurate reporting. I have exhausted so muh MONEY and TIME in the process. I have mailed dispute after dispute, pointing out the inacuarcies and adding new information to substantiate my claim and have been giving the " run around ''. That time stops now. And this needs to be removed
Consumer complaint received 2021-09-30
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. (NV)

Fraud accounts were opened with my social security number. I've went to every measure to have these accounts removed from my report including contacting the Nevada Attorney Generals office because XXXX XXXX  refused to remove the account from my credit report. I have requested documentation from the from the company proving that the account did indeed belong to me but i was denied because of verification!! Obviously because it doesn't belong to me but now I don't know where to turn fighting this corporate giant and have them remove this account off of my credit. 3 Credit Bureaus removed the account from my report as of XX/XX/2021 but XXXX reported the fraudulent balance once again and it is back on my on my report. It was recently removed from XXXX but I am still having a hard time getting this problem resolved with Experian and and XXXX.
Consumer complaint received 2019-12-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (TX)

I had a auto loan with Bridgecrest credit from XXXX XXXX Tx that I had started on XX/XX/XXXX for a XXXX XXXX XXXX. I had faithfully paid on time and never missed a payment on that loan and even for a short time after paid it until I was involved in a high speed accident with the car on XX/XX/XXXX a young gentleman ran a red light speeding and side impacted the vehicle. Once it was deemed a total loss I was told by my insurance company XXXX XXXX  the car was no longer repairable and I had signed over a power of attorney for the ownership and loan of that vehicle to be paid in its entirety by XXXX XXXX XXXX and I also had purchased GAP insurance thru XXXX XXXX for the vehicle. I was no longer responsible for the vehicle or its loan and I had notified Bridgecrest of the situation in which they still held me liable for. My insurance company XXXX XXXX and XXXX XXXX both stalled on payments for the vehicle and incurred a 30 and 60 day late payment filed directly onto my credit report. I once again asked bridgecrest to please help me with this situation as I no longer owned that vehicle. They refused to help and insisted I still pay for a vehicle I legally no longer owned even though they knew my insurance companies were in the process of payments in full to the Bridgecrest institution. I had done everything legally by the number and was still punished and as of XX/XX/XXXX my credit report on all 3 credit bureaus is still showing a XXXX Dollar amount owned with both a 30 and 60 day late payment report. This has ruined my chances of obtaining another car loan or any loan for many years to come. Bridgecrest is a creditor I highly recommend staying away as far as possible from.
Consumer complaint received 2021-09-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

**We are current Wells Fargo Mortgage Customers -Received mailer from Wells Fargo offering a pre-lim refi offer of 3.25 % -Called Wells Fargo, provided my wife and I 's credit info estimates and was offered a monthly payment {$2400.00} at 3.125 % interest. I was told was with closing costs and taxes/insurance in escrow just as our current mortgage exists with them.

-Agreed to proceed with credit application to confirm interest rate and process application.

-After processing the credit app the banker advised me she did not include my MUD taxes in the estimate prior to the credit app and that the new monthly would be approximately {$2800.00}. The interest rates were approved with the credit app at the amount she quoted.

I would not have filled out a credit application had she advised me this information initially. Both my wife and I took a credit hit across all 3 bureaus because she failed provide an adequate estimate. She had all of my information for my current mortgage and even advised me that once I started that application online that she would fill out the current mortgage information for me as she had it available and in front of her, which she did. Had she provided the correct quote initially we would not have chosen to take the credit inquiry against our accounts.
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

In XXXX of this year I received a checking account statement from Bank of America, which I did not open. I called and informed them of the fraud and was assured it would be closed. ( I immediately reported the identity theft to the FTC. ) In XXXX I received another checking account statement, I again called and informed BofA of the fraud. In XXXX I received a threatening letter saying I was going to be reported the XXXX XXXX and XXXX XXXX XXXX and would not be able to establish a future banking relationship for five years, as I had not presented them with proper identification!!!! I called them again. Next day I received another checking statement!! My credit score has tanked and they will NOT listen. They obviously opened the account sans any form of ID. How disturbing is that?
Consumer complaint received 2020-02-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants Adjustment Service, Inc. (AL)

I looked at my credit profile to realize that a fraudulent collection account had been added to my credit profile. One, the agency never notified me by mail for verification per FCRA laws. Second, they didn't verify the debt. I do not owe the debt to XXXX Hospital nor to this creditor. 

The FDCPA gives consumers the right to have the following information in writing within five days of the initial communication from a debt collector : The amount of the debt.The name of the creditor to whom the debt is owed.A statement that, unless the consumer disputes the validity of the debt, or any portion thereof, within 30 days after receiving the notice, the debt will be assumed to be valid by the debt collector.A statement that, if the consumer notifies the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer. The debt collector must mail a copy of this verification or judgment to the consumer.A statement that, upon the consumers written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

I didn't not recieve this. That is a direct violation of my rights.
Consumer complaint received 2019-11-26
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: EQUIFAX, INC. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX, EQUIFAX, and XXXX. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 168In and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681 ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to ". ..promptly DELETE all information which can not be verified. '' 1. TXU ENERGYhas violated my rights according to FCRA, listed above. Under federal laws, you have thirty ( 30 ) days to complete your re-investigation
Consumer complaint received 2021-09-30
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. (MA)

TRANSUNION furnished a consumer report in my name including a bankruptcy discharge, which was obtained and provided without permissible purpose pursuant 15 USC 1681b ( a ) ( 2 ) ; such actions also violate my right to privacy under 15 USC 1681 ( a ) ( 4 ). In addition, TRANSUNION neglected to provide me with accurate/relevant information on the direct source of bankruptcy information pursuant 15 USC 1681g ( 2 ), 15 USC 1681i ( 2 ) ( B ). Nor did TRANSUNION conduct investigation pursuant 15 USC 1681a ( e ). As a result, TRANSUNION is civilly liable for these violations.
Consumer complaint received 2021-09-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc. (OR)

I got a letter from USCB America about a debt that is not owed. The Doctor charged me twice for the same bill and my insurance paid the bill. They are still trying to say I owe it, but I was charged twice when I only aw this quack once.
Consumer complaint received 2021-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Fraud accounts were opened with my social security number. I've went to every measure to have these accounts removed from my report including contacting the Nevada Attorney Generals office because XXXX XXXX  refused to remove the account from my credit report. I have requested documentation from the from the company proving that the account did indeed belong to me but i was denied because of verification!! Obviously because it doesn't belong to me but now I don't know where to turn fighting this corporate giant and have them remove this account off of my credit. 3 Credit Bureaus removed the account from my report as of XX/XX/2021 but XXXX reported the fraudulent balance once again and it is back on my on my report. It was recently removed from XXXX but I am still having a hard time getting this problem resolved with XXXX and and Transunion.
Consumer complaint received 2021-09-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CHECK INTO CASH INC. (MO)

Hi I am a single widowed women with XXXX children I received a tittle loan that I was going to be paying off then when the XXXX virus started I got put on unemployment well I was about two weeks late and I called to make my last payment and they wouldnt take it they said they sent it off to a collections agency and I couldnt pay them now I have turned it in to XXXX XXXX and they have been investigating for a while but nothing is changing now my credit is destroyed and now I have no Title I am desperate to get help from you please help me get my title this isnt right and they refused my payments thanks and XXXX XXXX