davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-07
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. (AL)

In Accordance with the fair Credit Reporting Act and per the standards of reporting compliance Implemented with the XXXX enacted METRO 2 COMPLIANCE regulations. This creditor ( XXXX XXXX  ) violated my rights under 15 USC 681 Section 602 States I have the right to privacy. 15USC 681 Section 604A Section 2 states a consumer reporting agency can not be furnished an account without my written instruction! Under 15 USC 1666B a creditor can not treat payment on a credit card account under an open-end consumer credit plan as late for any purpose. I demand the mentioned derogatory items be permanently removed for my credit report. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX
Consumer complaint received 2024-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/year> I was sent {$50.00} through XXXX. On XX/XX/year> I was sent {$20.00}. Each deposit made was done so while purchases were pending. When there are purchases withdrawn from my account & held for the merchant to take... and I receive a deposit while this process is happening, Bank Of America 's system takes the money they took for the purchase AND my refund/deposit. This has happened to my husband and I for years until the big scandal when BOA took money from SO many account holders they couldn't brush it off as the customer 's mistake. Now that the heat is off, they are taking money again. I filed a complaint before when BOA took my {$350.00} refund from a car rental company about 3 years ago. This company has committed fraud before and been sued so many times, but only big companies are receiving repayment for their losses. Where is the advocate for us? I am not rich. I know how I i spend my money. I want my money back. How can they be allowed to keep stealing from us without retribution?
Consumer complaint received 2022-04-20
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. (MO)

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

XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX has violated my rights. 

XXXX XXXX/0600 Mortgage Reporters : Inquiry date XXXX, XXXX has violated my rights. 

XXXX XXXX Back Credit Cards : Inquiry date XX/XX/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 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 2022-04-20
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. (MO)

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

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 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 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 2023-06-30
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. (FL)

Ive submitted this complaint 7 times CFPB & XXXX/EQUIFAX/XXXXXXXX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever reason, Im beyond annoyed. The following accounts listed below were opened due to identity theft. Ive provided you ( CFPB ) & XXXX/EQUIFAX/XXXX cred with FTC Fraudulent report support my position. It seems XXXX/EQUIFAX/XXXX  are violating FCRA section 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. Id like these account removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount emotional & physical distress. Its caused me restless night & has caused me to miss work. My attorney told me I should just sue for violation in FCRA laws. Id prefer to NOT get litigious. Please see this matter handled. Id like the accounts REMOVED per 605b with the attached documents again. Thank you 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
Consumer complaint received 2022-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

FROM : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX DATED : XX/XX/22 PHONE NO : XXXX TO : BANK OF AMERICA XXXX XXXX XXXX XXXX, XXXX, CT XXXX SUB : COMPLAINT REGARDING MONEY {$2500.00} STUCK IN THE CASH DEPOSIT MACHINE ATM ID XXXX RESPECTED XXXX, We are struggling to find a solution for our problem. We deposited cash {$5400.00} in atm machine on XXXX in the morning but atm machine accepted {$2800.00} only so this is your atm error. We counted {$5400.00} twice at home and in the car before deposit the amount to make sure right amount its big amount for us because I am the only one support my family from small a job. So, I claim on same day your bank financial XXXX XXXX XXXX XXXX {$5400.00} then they give us credit {$2500.00} but on XXXX the bank took my {$2500.00} from my checking account so u guys can check camera I come my wife to deposited {$5400.00} but after error or stuck money on your atm machine it accepted {$2800.00} only so my request is please refunding my money {$2500.00}. 
We are very disappointment with what happened, and we are strongly considering taking my business another bank. I hope you can change my mind by providing an adequate and satisfying solution to my problem as well as taking the necessary precautions to prevent such incidents in the future. 
Thank you for your understanding Your sincerely, XXXX XXXX XXXX & XXXX XXXX Account number : XXXX XXXX banking - XXXX XXXX
Consumer complaint received 2022-07-12
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: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX Account # XXXX as well as Unauthorized Inquiries they said is XXXX XXXX. XXXX XXXX  XXXX XX/XX/XXXX,, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, 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 furnish a account without my written instructions.
Consumer complaint received 2022-04-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

In XX/XX/2019 my wife XXXX XXXX was advised that XXXX XXXX was selling her loan to Specialized Loan Servicing LLC. Our first payment to them was made at the end of XX/XX/2019 for XX/XX/2019 payment. ( We are 1 month ahead in payments ). Federal Rules state they were to apply funds to my account upon receipt, but this company did not, instead they took XXXX XXXX monthly mortgage payment and put it in a " Unapplied Funds Undefined '' account and when XX/XX/2019 arrived they finally posted the mortgage payment to the account. 
THE PROBLEM WITH NOT APPLYING THE PAYMENT UPON RECEIPT MEANS THEY MADE MORE MONEY IN INTEREST THAN THEY SHOULD HAVE HAD THEY APPLIED THE MORTGAGE PAYMENT AT THE TIME OF RECEIPT. 

THE FOLLOWING IS MERELY AN EXAMPLE : Loan Bal : XXXX Principal Payment : XXXX Interest Varies-goes down each month- {$230.00} So I make a monthly Mortgage payment on the XXXX Bal on XXXX, XXXX, XXXX  of {$250.00} and that drops the principal down to XXXX and interest is accrued until the next mortgage payment ... XXXXBUT WAIT, I HAVE ALREADY PAID XX/XX/2019 MORTGAGE PAYMENT, The company just has not applied the payment as they should have. So instead of earning interest on the XXXX they should be earning interest on {$69000.00} and when they get the next check in XXXX for XX/XX/2019, if the company applied the payment to my account they would be earning interest on {$69000.00} for the month of XX/XX/2019 and not {$69000.00}. 

By NOT APPLYING my MORTGAGE PAYMENT when received this company has EARNED INTEREST IT IS NOT ENTITLED TOO. 

I have calculated an ESTIMATED {$21.00} in excess interest, it could be more, earned by this company because they did not apply my mortgage payment to my loan when received.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (PA)

To whom this may concern, My account number XXXX XXXX XXXX was used Fraudulently. I made a balance transfer on XX/XX/XXXX. After My card was Left at my residence i believe a family member started making purchases to XXXX and other stores using my card. From XX/XX/XXXX until XX/XX/XXXX is not any transaction i have made. I do not Own a XXXX.
Consumer complaint received 2022-10-15
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)

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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I had a closed account for internet with XXXX. 
I was on a payment plan. 
Due to family illness I missed a payment. 
Without notice they flagged the account for collection. 
When I called I was told it was not in collections. 
I told them my credit took a hit. 
I called several times until I got ahold of someone who agreed to delete it for payment. 
After they took payment they stopped taking my calls. Threatened me. 
discriminated against me on the phone telling me they would never help me and I was a loser who should have paid it. 

They were sued earlier this year for FRCA violations and negligence in XXXX XXXX XXXX for exactly the same behavior. 

I need the account removed from my credit because in a recorded phone call they promised to delete in exchange for payment. This is a verbal contract and is in fact enforceable by law. They way in which XXXX bullies people and collects debt is criminal and they need to be punished. 


My complaint is against XXXX. Transition, XXXX and Experian. All of whom have a judiciary duty to protect the rights of consumers under the FCRA and all of whom have failed to do so for me and many others.
Consumer complaint received 2015-12-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

This is intended to supplement my complaint, Case Number : XXXX, which I submitted earlier today. 
Ocwen claims that it updated the information which it reported to the credit reporting agencies but, except for XXXX, there is no change related to XXXX & XXXX. And, based upon a report which I received today from XXXX and which is dated XX/XX/2015, the account still remains open, with a past due amount of {$1900.00} as of XX/XX/2015. Now there are two late payments entered, one for XX/XX/XXXX and one for XX/XX/XXXX. Concerning the reporting data by XXXX, my credit score which before those illicit negative reports by Ocwen, which was at XXXX is now at XXXX, which effectively is a costly decline in terms of financial credit worthiness. Concerning, XXXX & XXXX, my credit score with each has been lowered to XXXX from XXXX and that has already been translating into significantly tangible impaired credit worthiness for me by denial of credits from banking services. These matters will most likely bring about a lawsuit against all of these financial entities : Ocwen, XXXX and XXXX, which are gratuitously harming my credit worthiness and their costly consequences.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

The account is with XXXX. They reported me late when I wasnot late. I spoke with the woman at XXXX with my banker on conference with Me and XXXX. We went over line by line each payment and the date I made them. Verified the information they are reporting on the bureau on their own. I paid payments XXXX at a time on several occasions. I paid XXXX. Not the amount XXXX. 
So when XXXX reports to the bureau I'm late because I didn't make a payment for the next month ... they report me as 30 days late when I'm actually 30 days early. 
I spoke with the lead supervisor who informed both my banker and myself on the phone. She sees the error. However ; XXXX does not correct any of their reporting. The company policy is what they report is what stays correct or not. 

This is causing me at age of XXXX wants to buy a condo to retire.this filing has caused my credit to drop so low I can not purchase a home. 

I need XXXX to please fix the mistake they made. I doubled my payments so not to have an issue and they still reported incorrectly.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

The account is with XXXX. They reported me late when I wasnot late. I spoke with the woman at XXXX with my banker on conference with Me and XXXX. We went over line by line each payment and the date I made them. Verified the information they are reporting on the bureau on their own. I paid payments XXXX at a time on several occasions. I paid XXXX. Not the amount XXXX. 
So when XXXX reports to the bureau I'm late because I didn't make a payment for the next month ... they report me as 30 days late when I'm actually 30 days early. 
I spoke with the lead supervisor who informed both my banker and myself on the phone. She sees the error. However ; XXXX does not correct any of their reporting. The company policy is what they report is what stays correct or not. 

This is causing me at age of XXXX wants to buy a condo to retire.this filing has caused my credit to drop so low I can not purchase a home. 

I need XXXX to please fix the mistake they made. I doubled my payments so not to have an issue and they still reported incorrectly.
Consumer complaint received 2024-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC (FL)

XXXX of XXXX Selene Finance sent escrow overpayment to the Bankruptcy attorney that no Longer represents mortgagor as the XXXX XXXX  XXXX was completed summer of XXXX. Mortgage documents have been sent to bankruptcy even after bankruptcy ended. Bankruptcy attorneys notified mortgagor that they received a check made out to their name and notified mortgagor XX/XX/XXXX. Mortgagor called Selene finance to get check cancelled so one can be sent in mortgagor name on XX/XX/XXXX and was told that they needed a document from bankruptcy attorney email to them so they can remove themselves as representative of mortgagor. Email was sent XX/XX/XXXX with attachments on attorney letter head. Mortgagor tried calling Selene but was unable to navigate the phone tree to reach a person in escrow or any other department. Thus sent emails on XX/XX/XXXX and XX/XX/XXXX and have not received any response or a reimbursement check made out to current mortgagors. Per Selene site another escrow statement was sent XX/XX/XXXX to bankruptcy attorney almost a month after they emailed to remove themselves as representative was sent.
Consumer complaint received 2024-03-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ALLY FINANCIAL INC. (VA)

I previously held XXXX lending accounts with Ally Lending, both of which were paid off by XX/XX/XXXX. However, I noticed charges to my account starting from XX/XX/XXXX, totaling {$1000.00} each on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Unfortunately, I only became aware of these charges in XX/XX/XXXX. Upon contacting Ally, they informed me that the charges were for a different account, XXXX that I have no affiliation with. Despite this, they have refused to issue a refund. I am perplexed as to how others could have obtained my account information, especially considering there have been no other suspicious activities detected. I firmly believe that Ally should refund the charges and seek reimbursement from the appropriate account holder.
Consumer complaint received 2023-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent original cfpb complaints # 's : XXXX XXXX XXXX concerning inaccurate and incomplete items on my credit report. That was XX/XX/XXXX, I also sent a follow up letter XX/XX/XXXX asking for physical verification of the following accounts. 
Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXXXXXX XXXX XXXX {$3100.00} XXXX Bank XXXX {$1500.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX Bank XXXX XXXXnaccurate Late Payments It's been more than 30 days, attached is the original letter sent to the bureas.
Consumer complaint received 2022-04-20
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. (SC)

The account is with XXXX. They reported me late when I wasnot late. I spoke with the woman at XXXX with my banker on conference with Me and XXXX. We went over line by line each payment and the date I made them. Verified the information they are reporting on the bureau on their own. I paid payments XXXX at a time on several occasions. I paid XXXX. Not the amount XXXX. 
So when XXXX reports to the bureau I'm late because I didn't make a payment for the next month ... they report me as 30 days late when I'm actually 30 days early. 
I spoke with the lead supervisor who informed both my banker and myself on the phone. She sees the error. However ; XXXX does not correct any of their reporting. The company policy is what they report is what stays correct or not. 

This is causing me at age of XXXX wants to buy a condo to retire.this filing has caused my credit to drop so low I can not purchase a home. 

I need XXXX to please fix the mistake they made. I doubled my payments so not to have an issue and they still reported incorrectly.
Consumer complaint received 2019-07-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

I posted a XXXX 'XXXX XXXX advertisement for concert tickets and a potential vendor called me saying he would transfer the tickets over to me, as soon as I provided him {$70.00} for the first ticket via PayPal. He stayed on the line, but eventually hung up and never sent over the tickets.
Consumer complaint received 2024-03-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION (MD)

On XX/XX/XXXXXXXX XXXX XXXX I was double charged for an unauthorized purchase on my truist credit card and I have not received my refund for the unauthorized charge of XXXX plus interest since XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Dispute regarding payment to XXXX XXXX XXXX XXXX on XX/XX/2023 for {$45.00} I disputed this transaction with Capital one and they refused to refund the money I provided evidence the transaction was cancelled and they refused to accept my evidence