davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
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. (DE)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit XXXX {$420.00} ), XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit : {$300.00} XXXX, XXXX XXXX XXXX ( Account XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9000.00} ), XXXX XXXX ( Account XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$760.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-06-10
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. (NC)

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. 

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 2018-12-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Tribal Lending Enterprise, Inc. (DE)

On XX/XX/2018 my checking account had an ACH in the amount of XXXX. Another charge on XX/XX/2018 in the amount of XXXX. 

This resulted in 4 nsf and return fees of {$36.00} each. 

The company XXXX XXXX XXXX is now unable to answer questions as they say the account is in collections.
Consumer complaint received 2018-12-06
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. XXXX, XXXX, XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-12-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MD)

I have an FHA loan with mortgage insurance. I was told when I contacted US Bank that this premium would automatically be cancelled when my loan had an 80 % debt-to-value ratio. I paid extra principal each month to reach the 80 % faster than scheduled. 

The premium was not automatically removed and, when contacted, the company is now stating that it is a 78 % debt-to-value ratio that must be reached. 

The more concerning problem is that I must submit paperwork to have the premium removed once I hit the debt-to-value ratio. This is not insurance that I purchased on my own ; I was not able to shop around for the best price. Nor am I the benefactor from this insurance policy. 

This extra hurdle to remove the insurance premium from a consumer 's monthly payment is an abuse of power in the customer relationship at best, and fraudulent at worst. US Bank should not be allowed to continue this practice, and if this is industry standard practice, the industry should not be allowed to continue either. Consumer 's need protection from practices like this.
Consumer complaint received 2018-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX XXXX with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30-59 days late.
Consumer complaint received 2018-12-07
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. (NV)

What in the world is happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2018-12-06
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. (GA)

I have spent thousands of dollars trying to delete this account from my credit report. I paid the balance and it wasnt mine. Ive sent out 10 dispute packets to each bureau. My identity was stolen and my signature was forged.
Consumer complaint received 2018-12-06
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. (GA)

I have spent thousands of dollars trying to delete this account from my credit report. I paid the balance and it wasnt mine. Ive sent out 10 dispute packets to each bureau. My identity was stolen and my signature was forged.
Consumer complaint received 2022-11-30
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. (MO)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX XXXX
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I deposited cash amount of XXXX into Wells Fargo atm at XXXX on Friday XX/XX/2022 My money was jammed and my deposit didnt show up in my account. I got a receipt stating that the atm was out of order and was only credit a XXXX. The receipt said to wait 1 to business days for my funds to appear in my account. I immediately called the bank and filed a claim. Its been 6 days and I still havent received my funds
Consumer complaint received 2022-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (WA)

My home loan with XXXX Mortgage in XXXX state was sold to Selene Finance late in XX/XX/2022. My home loan with XXXX Mortgage ( loan # : XXXX ) did NOT have an escrow account for insurance and property taxes and is clearly indicated as such in the closing documents. After I received notification that Selene Finance bought my loan ( Selene loan # : XXXX ), I created an online account on their loan processing website. The online account showed my first payment for XX/XX/2022 as {$10000.00}, which was incorrect. My mortgage payment was only {$7300.00}. I deduced that Selene was adding an additional amount to my payment to cover taxes and insurance as-if my mortgage had an escrow account. At the end of XX/XX/2022, after a lot of effort, I was able to prove to Selene that my mortgage did not have an escrow account and had Selene remove the escrow account they incorrectly assigned to my mortgage, and had my monthly payment adjusted to the correct amount. Half of my XXXX XXXX property taxes ( {$15000.00} ) were due on XX/XX/2022, and I paid them in full on that date. Apparently, Selene Finance mistakenly also paid the same amount to XXXX XXXX towards my property tax balance in late XX/XX/2022, despite not having any escrow account associated with my mortgage or any accumulated funds to go towards these taxes. They have now just sent me an Annual Escrow Account Disclosure Statement dated XX/XX/2022 showing an escrow shortage of {$25000.00}, and adding {$4700.00} to my monthly payment, {$2500.00} to go into an escrow account that my loan closing documents clearly state does not exist on this mortgage, and {$2100.00} towards " Shortage Spread '' to make up for the taxes they mistakenly paid and that I have already paid. I have made XXXX attempts to get this straight through their customer service department with no success. Receiving this escrow statement now has caused me to file this complaint in hopes of getting some sort of resolution. It is not my fault that they erroneously paid my property tax from an escrow account that doesn't exist, and it is a breach of contract for them to force me into having an escrow account with a new inflated payment to cover their mistake. They need to retrieve their funds back from XXXX XXXX and remove this escrow account from my mortgage.
Consumer complaint received 2022-06-10
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. (NC)

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. 
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 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 2022-11-30
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: Experian Information Solutions Inc. (DE)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-13
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. (WA)

I have an Account ending in XXXX through XXXX XXXX  but NEVER use it. However, in XX/XX/2022 I was charged XXXX for " XXXX XXXX '' using this card. I was never made aware that this was going to be charged or that it was charged in the first place. I would have NEVER used this card for a purchase and IF I did, I would pay it right away. The card is linked to an old email I do not use either. This charge was ran without my consent. Several months later I received a phone call from XXXX XXXX  informing me I was delinquent on this account. I was shocked as I had NO idea there was even a balance, let alone reoccurring late fees AND a ding on my credit. = ( I take GREAT pride in my credit and strive to NEVER be late. Immediately upon learning of this charge I contacted the bank, paid the entire bill and then filed a dispute with XXXX but I haven't heard anything and regardless of the fees incurred, I am MORE concerned with having a LATE ding on my credit report. I was told by a family member of the Consumer Financial Protection Bureau and thought I would reach out in hopes I can get the LATE payment removed from my credit report. Please reach out to me anytime for more details or any further information on this matter. XXXX or email XXXX or XXXX XXXX
Consumer complaint received 2022-01-10
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (FL)

Upon receipt of this complaint, please issue a billing dispute for a purchase dated XX/XX/21 listed as Amazon Payments, amount {$260.00}. The merchant never shipped the merchandise. The merchant could not provide an answer as to when the items will ship.
Consumer complaint received 2022-02-02
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. (LA)

I opened this loan back in XXXX as the signer of the loan with my husband. We recently settled the loan because we received a better interest rate with a credit union. So, the company XXXX XXXX agreed to settle the contract for less than what was left on the loan which was XXXX. The check was mailed and they received it. That rendered our contract void. I was recently a victim of identity theft so I have been watching my credit reports every day. I had all of the credit bureaus to remove XXXX XXXX from my credit reports between XXXX and XX/XX/XXXX because they were no longer financing the loan. A new company was. At that time, there were only 2 late payments reported prior to the removal of XXXX XXXX from my credit report. After it was removed, my credit score was XXXX. I received an alert in XXXX stated that my credit score had dropped 40 something points. As I checked my credit report, it shows now that XXXX XXXX XXXX was added as a closed account on my reports with over 10+ late payments. I contacted my credit repair service back in XXXX because I called XXXX XXXX in XXXX about why they were not reporting my positive payments to the credit bureaus. The woman I spoke with stated that they dont report to the credit bureaus just in case a client is late making a payment. So I proceeded to ask to go over my on time payments from XX/XX/XXXX to XXXX as I am speaking to her. She stated that my payments were considered late even if if they are 1 day late. I told her that my contract I signed in XXXX says that we have a 10 day grace period from the due date. She told me she would have to check my contract and put me on hold. She hung up in my face. I contacted my credit repair company to ask them to clarify how many days late does a payment have to be before it can be reported to the credit bureaus... They informed me that it has to be 30 days late. So, I called XXXX XXXX XXXX again and asked for the payment history because the amounts on the statements were also incorrect. I made 3 payments of XXXX between XXXX and XXXX. They only reported 2 payments and one payment was for the amount of XXXX which is also incorrect. I was told by the first man i spoke to that they were not required to report to the credit bureaus during covid but when I settled my loan they had to report everything at that time. They granted me an extension on my loan in XX/XX/XXXX because I made two payments to catch up on my arrearage. My credit report from XX/XX/XXXX shows I was still behind on loan with them. It has been a nightmare and every time I try to dispute it, the credit bureaus verify it as accurate information which is a complete lie. This has caused me pain, suffering, and tireless amount of hours and time trying to fix what they did to my credit.
Consumer complaint received 2021-11-19
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. (VA)

XXXX and Equifax is reporting an inquiry from XXXX XXXX on XX/XX/2021 on my credit report. I have filed several request to be removed. I also contacted XXXX XXXX. I'm requesting this inquiry deleted and removed from my account. I am not aware of this inquiry. It did not belong to me.
Consumer complaint received 2022-06-10
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. (NY)

Im sending a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to delete these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX  ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$510.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$950.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$520.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-04-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On MondayXX/XX/XXXX I found an add for XXXX  tickets on XXXX and I texted the seller who went by XXXX XXXX he told me he was willing to sell me a ticket for {$240.00} if i was willing to use XXXX. today XX/XX/XXXX i text the seller again I receive the payment information, and we decide on a meeting point so that we could start the transaction, I was given his email address XXXX I proceeded to send him the payment and am told that he will be at the meeting place in 45 minutes. He texts me claiming he is pulling in, and then blocks my phone number so that i can not contact him.
Consumer complaint received 2022-06-10
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. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX XXXX : {$160.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX : {$0.00} ; XXXX  XXXX Balance XXXX {$0.00}
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (GA)

Vehicle was totaled in XXXX of XXXX. The insurance company ( XXXX ) and XXXX paid in XXXX XXXX see attachments. 

XXXX shows payment received in XXXX and XXXX resulting in a Charge-off. Where did XXXX, get those payments from? 

Who made those payments on XXXX  accounting statements? 

XXXX shows the check was cashed in XX/XX/XXXX!
Consumer complaint received 2022-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (WA)

I have a mortgage from US Bank on my house at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  As part of the mortgage US Bank collects escrow which includes home insurance and property taxes. For the year for XXXX, I have already paid the property taxes and nothing is due. 

I have conveyed this to US Bank in XXXX. As per the escrow rules, US Bank is supposed to recalculate Escrow and refund to me the extra amount collected. In addition, US Bank has an obligation to stop collecting extra money from me for XXXX for which it has no use. 

Despite being asked numerous times and making a declaration to CFPB that they will issue me a refund and adjust my payment, US Bank has not made this change. They continue to collect extra escrow from my account illegally every month. In addition, they illegally hold onto the extra escrow already collected from me. 

In XXXX # XXXX, US Bank had admitted their wrongdoing and told me they would fix it within XXXX business days of XX/XX/XXXX. That also did not happen and again they have stopped responding to me even on their escalation email : XXXX These acts are blatantly illegal and meant to harass home owners. In addition, US Bank has lied to CFPB about resolving this matter.