davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-28
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. (IL)

On XX/XX/XXXX, submitted a letter to Trans Unions concerning they obtained my bankruptcy through a 3rd party and not directly from the bankruptcy court. On XXXX XXXX, I received letter from Trans Union, file # : XXXXXXXX, stating the bankruptcy was DELETED from my credit report. On XX/XX/XXXX & XXXX XXXX, XXXX, I notified Trans Union after pulling my credit report the bankruptcy was returned to my credit report. Also on XX/XX/XXXX, I submitted a letter to Trans Union concerning XXXX XXXX account # : XXXX. I received a letter from Trans Union on XX/XX/XXXX, file # :   XXXX, stating this was DELETED from my credit report. Only to receive a credit report from Trans Union on XX/XX/XXXX, this item has reappeared on my credit report., along with the bankruptcy. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), Trans Union is required to notify me of the reinsertion in writing within 5 business day, I received NO such notification!! And this is a a very serious violation of the FCRA.
Consumer complaint received 2022-02-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (IL)

ON XX/XX/XXXX, I the consumer XXXX XXXX was denied credit with BP BUSINESS SOLUTIONS UNIVERSAL CARD. BP XXXX XXXX VIOLATED THE EQUAL CREDIT OPPORTUNITY ACT. As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant 15 USC 1602 ( L ) making BP XXXX XXXX  an assignee pursuant to 15 USC 1691 ( XXXX XXXX. I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j.I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through.It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 XXXX a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. 15 USC 1691c-XXXX states that Any applicant for credit may refuse to provide any information requested pursuant to subsection ( b ) in connection with any application for credit. The underwriter has limitations Where feasible, no loan underwriter or other XXXXfficer or employee of a financial institution, or any affiliate of a financial institution, involved in making any determination concerning an application for credit shall have access to any information provided by the applicant pursuant to a request under subsection ( b ) in connection with such application. THEY BROKE THE LAW!!!
Consumer complaint received 2019-04-28
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. (MO)

Although my identity has been seriously compromised and unauthorized accounts been opened in my name. I still at this point hold the three ( 3 ) major credit bureaus responsible for reporting unverified and unauthorized accounts. I requested a Mehod Of Investigation that made the determination for the 3 major credit bureaus to continue reporting these unauthorized accounts. However, I did not receive any certified signed physical documentation that validates these accounts as being true. I'm demanding that the three ( 3 ) major credit bureaus block the following accounts from my data file / credit report immediately and permanently. 
( 1 ) Dept of ED/ XXXX {$7300.00} ( 2 ) Dept of ED/ XXXX {$5400.00} ( 3 ) Dept of ED/ XXXX {$3900.00} ( 4 ) XXXX XXXX XXXX/ XXXX {$3000.00} ( 5 ) XXXX XXXX XXXX XXXX ( 6 ) XXXX XXXX XXXX {$470.00} As a consumer I'm requesting that these accounts be removed.
Consumer complaint received 2018-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Our mortgage was purchased by Wells Fargo from XXXX XXXX. Wells Fargo increased our monthly payment by {$150.00} for the next twelve ( 12 ) months to fix the escrow account. A portion of this is covered the increased cost of the insurance. However, they also claim they can add a two ( 2 ) month cushion to the escrow, which accounts for nearly {$50.00} of the monthly increase. I looked over my original mortgage contract and no where does it stipulate that we agreed to this. We've never been required to have a " cushion '' on our escrow account in the past. I spoke to a supervisor and advised them they do not have the right to do this. They claim they can and refuse to withdrawal their request for payments towards a so called cushion. It seems like they are charging escrow on the escrow. The mortgage contract we signed says if at any times the balance falls short that we would be required to make up the difference at that time. We understand that and are willing to do that, but their demanding a cushion is just a way for them to take our money and earn on it without compensating us.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX is reporting a 30 and 60 days late. This information is inaccurate, as TransUnion and XXXX are reporting late in months XXXX 2023 and XXXX 2023 and XXXX is reporting XXXX and XXXX 2023. I have provide the bureaus with a letter of proof from XXXX, advising the tradeline is incorrect but the bureaus refuse to update.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

As I reviewed my recent report, I have found an erroneous information reporting on my Equifax Credit Report. I am not sure if you have conducted a thorough investigation for this item. 
FIRST XXXX BANK XXXX Balance {$800.00}
Consumer complaint received 2022-03-09
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: NRA Group, LLC (RI)

This company contacted me at XXXX via text on XX/XX/2022, regarding the debt that I have with National XXXX. I was waken up to this text message. That is absolutely not an acceptable time to be reaching out regarding a debt!
Consumer complaint received 2023-07-04
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. (TX)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$6300.00}
Consumer complaint received 2019-04-28
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. (MO)

Although my identity has been seriously compromised and unauthorized accounts been opened in my name. I still at this point hold the three ( 3 ) major credit bureaus responsible for reporting unverified and unauthorized accounts. I requested a Mehod Of Investigation that made the determination for the 3 major credit bureaus to continue reporting these unauthorized accounts. However, I did not receive any certified signed physical documentation that validates these accounts as being true. I'm demanding that the three ( 3 ) major credit bureaus block the following accounts from my data file / credit report immediately and permanently. 
( 1 ) Dept of ED/ XXXX {$7300.00} ( 2 ) Dept of ED/ XXXX {$5400.00} ( 3 ) Dept of ED/ XXXX   {$3900.00} ( 4 ) Dept of ED/ XXXX {$3000.00} ( 5 ) XXXX XXXX XXXX XXXX ( 6 ) XXXX XXXX XXXX {$470.00} As a consumer I'm requesting that these accounts be removed.
Consumer complaint received 2018-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

As a consumer on multiple instances I have written several cerified letters to all 3 credit bureaus requesting that they update my personal information and delete all other information that's incorrect however they fail to do so, here is the letter I sent certified to all 3 credit bureaus.

XX/XX/2018 To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : ********* Please update my name to : ********* My only social security number is : *********** My only and correct date of birth is : ********** My only employer is : *********** I do not wish to have any telephone numbers on my report.

Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.

Sincerely, ************ I've Enc. Driver License, and Proof of Residence
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Equifax and XXXX credit scores dropped by XXXX points. Noticed they said I have a serious delinquency. On further digging I found that this was due to XXXX XXXX XXXX, where I had a HELOC that I paid off and closed in XX/XX/XXXX. The HELOC was reported closed in XXXX and XX/XX/XXXX, but is now showing for the rest of XXXX that I was XXXX days late. I have complained to XXXX via XXXX. I have also filed disputes with Equifax and XXXX. It appears that XXXX, a fintech startup, has not exercised proper care in compliance and has a software or procedural error. It also appears that Equifax and XXXX do not have the sophistication to see that a closed account can not suddenly be reported delinquent. XXXX does not seem to have this issue. This is ruinous to me because I was about to buy a car out of my lease. I need this car to have the ability to go to work. My lease expires in 4 weeks and if I do not get a car loan I will have to pay a higher price for a different car, vs for the current leased car where I have a negotiated price from XXXX. Due to supply chain shortages the price of all cars have gone up.
Consumer complaint received 2018-08-11
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BMW Financial Services NA, LLC (NY)

I was billed {$19000.00} for being past due {$1800.00} on my BMW lease. 

The car was repossessed and sold in the auction. I was not informed about the impending auction sale of the car while I still could pay the debt and get the car back. The lease contract ( attached ) says that I was supposed to receive the reinstatement rights letter and have 25 days to get current on my lease payments ( highlighted in the attached Lease Obligations document, point 26g ). I have never received the letter. When I spoke with Financial Services they say the letter was sent but apparently got lost. There is no proof of the letter being sent to me. The largest part of the bill I got is the difference between the supposed car value and the auction sale price. 

Consumer advocates website ( https : //www.consumeradvocates.org/fXXXX ) says : -You may be able to buy back the car by paying the full amount you owe or even bidding on the car in the auction. In some states, you can get your car back if you reinstate your loan and pay repossession costs. 

-The sale of the car must be done in a commercially viable manner, meaning that it is not sold for way below market value. This matters because you will be held accountable for the difference ( deficiency ) between the sale price and what you still owe on the loan. 

-In some states, the creditor must tell you if they are keeping the car or are planning to put the car up for auction. If there is going to be an auction, they must tell you when and where the auction will take place. 

In my case, I could not exercise any of my rights.
Consumer complaint received 2018-05-01
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: JTM Capital Management, LLC (WY)

Called my wife 's phone, I took the call, and said that I do not recognize the debt, she got angry and started belittling me stating " do you even remember working <here>? '' I said because of her attitude that I was terminating the call and to have a nice day. 

She then called my cell phone immediately after and said " Good I now have your phone XXXX XXXX '' and hung up. 

She then called my place of business, and said " is the owner in or are you the owner XXXX XXXX? '' and I hung up. She called back twice after immediately. 

Then she called my father-in-law immediately after that on his cell phone. 

This, after I said I needed to check to see if this was my account as I didn't remember it.
Consumer complaint received 2018-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I recently bought a home XXXX XXXX XXXX XXXX XXXX was the mortgage company. They transfered service to SPS on XX/XX/2018, the day my first payment was due. I paid XXXX XXXX on XX/XX/18 but they didn't credit the payment, now SPS is harassing me for the payment. Instead of working this out between themselves they have harassed me. It is not my fault. SPS has the worst reputation for mortgage servicing. I have no confidence in either of these companies to step up to the plate and fix this matter. I paid on XX/XX/XXXX by cashiers check from my account at XXXX XXXX XXXX XXXX. Amount {$1500.00}. I am submitting proof.
Consumer complaint received 2022-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (FL)

I received the annual escrow account disclosure statement which included the anticipated annual disbursements. Loan Depot is stating my bills due in the upcoming year are my mortgage insurance XXXX county tax, hazard insurance, and other insurance. I don't know what this " other '' insurance is and why they anticipate me having " other '' insurance. I never bought other insurance. The only insurance I have ever had or plan on having is hazard insurance. 
Loan Depot is falsely claiming that I bought " other '' insurance in XXXX, which I never did, and it's causing my mortgage to increase. 

I already placed a complain with CFPB ( company ID XXXX ) about Loan Depot stating my hazard insurance was not hazard. This mistake was fixed on their end and should have not affected my future escrow account, but it looks like it still did. 

Starting XX/XX/XXXX I am now having to pay extra for " other '' insurance that LD is stating I had. 

On top of that, the reimbursement check I received for escrow is incorrect because of this " other '' insurance LD is claiming I will have next year.
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OK)

I have submitted several disputes online, via letter and by calling to each credit agency to correct my personal information that's on my credit reports. My XXXX, XXXX and Equifax should only have my name, address and employer as followed every other name, address and employer should be removed ASAP per the law. 

Name - XXXX XXXX Address - XXXX XXXX XXXX XXXXXXXX XXXX XXXX OK, XXXX Employer - XXXX I need all other names, address 's and employers removed from my XXXX, Equifax and XXXX credit reports.
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have submitted several disputes online, via letter and by calling to each credit agency to correct my personal information that's on my credit reports. My XXXX, Transunion and XXXX should only have my name, address and employer as followed every other name, address and employer should be removed ASAP per the law. 

Name - XXXX XXXX Address - XXXX XXXX XXXX XXXX, XXXX XXXX OK, XXXX Employer - XXXX I need all other names, address 's and employers removed from my XXXX, XXXX and Transunion credit reports.
Consumer complaint received 2024-03-01
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. (FL)

I am writing to address a matter of significant concern regarding XXXX XXXX XXXX XXXX that is appearing on my credit report. Despite my best efforts, I have been unable to verify why this account is reflecting on my report. This situation has not only caused me undue XXXX  but has also resulted in denials and questioning of my credibility by lenders. It is imperative that this issue be rectified immediately. I demand a thorough investigation into the legitimacy of these accounts and request solid proof that they indeed belong to me or were initiated by me. Without such evidence, I insist that these accounts be removed from my credit report without delay.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (VA)

NELNET LOAN SERVICES INC XXXX {$12000.00} {$0.00} NELNET LOAN SERVICES INC XXXX {$8000.00} {$0.00} NELNET LOAN SERVICES INC XXXX {$15000.00} {$0.00} NELNET LOAN SERVICES INC XXXX {$18000.00} {$0.00} Reporting Fraudulent Payment History for the following months XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX on my XXXX, XXXX and XXXX Credit report
Consumer complaint received 2019-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MI)

Dear CFPB, I continued to have issues with my mortgage servicer not apply payments made to my balance in a timely and appropriate manner. 

On XX/XX/XXXX I made a payment on my mortgage. My servicer, NewRez/Shellpoint/XXXX   etc says the payment was returned due to insufficient funds about ten days later. They notified me on XX/XX/XXXX that the payment was returned. I immediately contacted them with evidence that the payment was made on time : a receipt showing a successful bill pay confirmation and a redacted statement showing the balance taken out. 

On XX/XX/XXXX I was contacted by Shellpoint who said that the payment was returned due to insufficient funds. I explained that there were sufficient funds in the account and that there was no subsequent redeposit of the ACH. We contacted XXXX immediately and I authorized them to confirm these facts, which they did with the agent. The agent confirmed these facts and said she would research it. 

On XX/XX/XXXX no one had contacted me so I asked about the status of my complaint. The agent said I needed to submit confirmation that the balance was available and had not been redeposited. I submitted a full, unredacted statement to this effect despite my concerns about privacy and despite it being redundant with what the bank representative confirmed on the phone a week prior. 

The bank confirmed that there were sufficient funds and there was no returned ACH. This is in direct contradiction to the claim made by NewRez that the ACH was returned due to insufficient funds. We both can not be right. I am right, there was more than 50x the balance due in that account at the time of the transaction. The ACH was never returned to my account. This was confirmed by the bank directly with the agent and via direct documentation. NewRez contends that they asked for this documentary evidence prior to today but I was assured on the phone that submitting a redacted statement would be sufficient early in XX/XX/XXXX, was not asked for it in subsequent phone calls, and only asked for it today ( XX/XX/XXXX ). 

This is not the first time NewRez has failed to apply funds in a timely manner and charged me fees. This is the first time it has taken a half dozen phone calls and more than a month without a resolution. 

I have been more than responsive to their request for information and been assured at every step that the information I had provided was sufficient. They take weeks to respond only to request information that has already been provided.
Consumer complaint received 2019-10-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (WA)

I ordered food on the XXXX app but did not receive any food nor anything at all. Since my order was paid for on the app, the store manager XXXX told me they can not process refunds for purchases made on the app and directed me to dispute the transaction with my bank to obtain the refund. 

I disputed the transaction with my bank ( Simple ) and received a reply stating there is no appropriate resolution procedure and said sorry the merchant has been unhelpful. 

I didnt receive anything for the charge of {$5.00} and I have attempted a resolution with both XXXXs manager XXXX and Simple Bank with no success recovering funds.