davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

I have explained that this debt was incurred due to identity theft however collection activities have continued on this account. I have filed bankruptcy and claimed the debt under the bankruptcy as well. This account has been sold by Jefferson Systems twice according to two different representatives I spoke to from their company on Friday XX/XX/2019.
Consumer complaint received 2019-06-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (MI)

I am really complaining about the very poor customer service. I inquired about approval for a land swap between myself and a neighbor - my soon to be neighbor is building a house nearby but does not have a spot that has the proper soil composition for a septic tank. My property does have the proper soil composition so we agreed to swap a small portion of the land in order to facilitate his building the septic tank. 
He completed a survey and wrote a description of the swap, I emailed that information to Mr. Cooper on XX/XX/2019. 
I followed up with a phone call and was told I had submitted what was required. I then followed up on XX/XX/XXXX and was told that I needed to submit the information to a different email address. I did that on XX/XX/XXXX. I followed up numerous times both by phone and email between XX/XX/XXXX and XX/XX/XXXX - I never was able to get an answer from anyone other than it was in process and could take 30 business days. I was told if I emailed the research department directly I would receive an update but never did. I called today to follow up and was told that nothing had been done with my request, and now they required {$250.00} and an appraisal to start another 30 business day review. My frustration is that I get different information every time I call, and no-one that will take the time to really answer any questions or that seems to have any desire to actually help resolve the issue. I have done everything that was asked of me as soon as it was asked, and yet they have never responded to me ( all contact has originated by me ), and I get a different answer every time I call.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

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


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-06-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY (NY)

I set up auto pay at the beginning of my loan with TD Auto finance in XX/XX/XXXX. 
I called to finalize on XX/XX/XXXX, knowing I only had a few payments left. The representative advised that I had been 30 days late for the entire loan, which amounts to several XXXX XXXX. I never received a phone call from TD, neither did my son, who is the co-signer. I never received an email or a letter. They stated the phone number they had was incorrect for me in their system. It was off by one digit, which if you XXXX my name comes up correctly. Very easy to find me. I have had the same phone number and address for nearly 30 years. They never attempted to call my son. They admit they never sent any correspondence or emails. They have my correct email and address. My payments have been pulled from my checking account every month, so I have no reason to think I was overdue. They did not make any reasonable attempt to contact me. They are not willing to make any concessions at all. I should not be held responsible for their error. I spoke to 5 different people, and was unable to get any resolution. I have excellent credit and regularly check my report. I have never been reported late by TD or anyone else. I most certainly would have corrected the confusion had I known about it.
Consumer complaint received 2020-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In most recent response to my CFPB complaint about the fact that Capital One misrepresents the federal laws to the customers by making statements that there exist federal regulations that require Capital One to collect citizenship status of consumers applying for a Capital One credit card Capital One claimed the following ( see attached ) : " Federal law requires that at account opening we obtain and maintain information regarding our customers and their accounts and account relationship. '' This statement does not say anything about federal laws requiring Capital One to collect applicants citizenship information. 

Capital one further states : " Capital One must comply with the requirements of the Bank Secrecy Act, including requirements that Capital One gather information about and verify the identity of accountholders and people who are allowed to engage in activity on accounts. '' The Bank Secrecy Act mentioned by Capital One does NOT have any requirements for Capital One to gather citizenship information of its credit card applicants. 

Capital One further states that " If you would like to understand this law further, there is a lot of publicly available information, including information provided by our primary federal regulator, the Treasury Departments Office of the Comptroller of the Currency. You can find additional information on their website at https : //www.occ.treas.gov/topics/compliancebsa/bsa/index-bsa.html. " None of the publicly available information referred to by Capital One, including the internet resource link Capital One provided, has any information about any federal law requiring Capital One to collect citizenship information of its applicants. 

Capital One in its response to my complaint CFPB Case : XXXX continues to provide misleading statements about the federal regulations and misinforms the public that there are federal regulations that require Capital One to collect citizenship status of consumers applying for a credit card to Capital One.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-20
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. (GA)

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

XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2019-06-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

I opened a Citizens Bank Platinum checking account under a promotion on XX/XX/XXXX. The account was approved on XX/XX/XXXX. The promotional term is " Get {$400.00} to open a Platinum Checking account with a single direct deposit of {$1000.00} or more within 60 days of account opening ''. I click on the " open account '' link as provided on Citizens Bank website and no promotional code was required per the instructions.

After 2 months of meeting the requirement, I still have not received the promotional offer and have paid {$100.00} in total monthly fee to keep the account active in order to get the promotion. I contacted customer service on XX/XX/XXXX and was told to send a secured email. After 6 email exchanges ( via the Bank 's secured email system ) and faxing of supporting documents and application screenshot, there was still not resolution while another {$25.00} account fee was charge on XX/XX/XXXX. I contacted customer service again on XX/XX/XXXX and after 25 minutes, I was told I need to enter a promotional code to be eligible for the offer. I mentioned to the customer service rep there was no promotional code at the time of account opening on XX/XX/XXXX per the attached screenshot but it was felt on deaf ears. This is simply an attempt by Citizens Bank to trick consumer into applying for an account with high monthly fees.
Consumer complaint received 2021-06-11
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a dispute letter for an account on my credit dated for XXXX, reporting inaccurate information and not following the guidelines this account is showing a past due balance on a collection account it my understanding that anything being reported has to be correct you can not owe on a collection account no one has responded to my request about this matter i would like this account removed immediately
Consumer complaint received 2021-06-11
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I sent a dispute letter for an account on my credit dated for XX/XX/2021 reporting inaccurate information and not following the guidelines this account is showing a past due balance on a collection account it my understanding that anything being reported has to be correct you can not owe on a collection account no one has responded to my request about this matter i would like this account removed immediately
Consumer complaint received 2020-06-07
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: Fidelity National Information Services, Inc. (FNIS) (OK)

If you look at Complaint XXXX that was closed yesterday, you will see that Chexsystems stated that they fixed my report and sent an updated copy to me. However, that was a lie. They sent a letter to me stating that the information would remain on my report and they also did not include and updated report with it. That is a clear violation of the FCRA. I have included the letter sent to me that shows that they lied about how the situation was handled.
Consumer complaint received 2024-03-04
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. (PA)

I am writing to file a formal dispute regarding an auto loan reported on my credit file by XXXX XXXX XXXX XXXX. Despite my repeated attempts to dispute this account, it continues to be verified by the credit reporting agencies. I have provided evidence directly to XXXX, which clearly demonstrates the inaccuracies in their reporting, yet they have failed to take appropriate action to delete the erroneous information. 

Furthermore, it has come to my attention that XXXX XXXX XXXX XXXX has recently been involved in violating the Fair Credit Reporting Act ( FCRA ) by failing to correct inaccurate information provided to credit reporting agencies. This raises serious concerns about the accuracy and integrity of their reporting practices. 

I hereby request that the Consumer Financial Protection Bureau intervene in this matter and ensure that the credit bureaus promptly removes the disputed account from my credit file. Enclosed with this letter is a copy of the correspondence I received from XXXX, which further substantiates my claim. 

I trust that the Consumer Financial Protection Bureau will investigate this dispute thoroughly and take appropriate action to rectify the situation. Your prompt attention to this matter. 

account # XXXX balance {$10000.00}
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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

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


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-14
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)

My previous name was XXXX XXXX. Legal name is now XXXX XXXX. 

Was called by XXXX and told someone was trying to open a XXXX credit card in my ( XXXX XXXX ) I denied I was opening the card and application was cancelled. 

Target reps suggested I submit this fraud to identifytheft.gov Which redirected me to this site. 

Please let me know who else I need to report this info to.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the fair credit reporting act ( XXXX Acct # XXXX ) has violated my federally protected rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (CT)

On XX/XX/19, the balance of my primary checking account at TD Bank was displaying incorrectly - it omitted electronic deposits from " third party '' vendors including XXXX XXXX ( wallet to bank transfer ) and XXXX ( a payday advance company ). These deposits not being credited meant I didn't have access to all of my funds. 

I called customer service 2 times and before even speaking to an customer service agent, was met with a recorded message about " technical issues '' with accounts - that accounts weren't displaying updated information and that TD bank customers and employees wouldn't be able to access updated account information via mobile, online or in-person banking methods. 

On the same day, at approximately XXXX XXXX, after checking the bank 's social media and website multiple times for an update or statement that would include information especially about when the issue was expected to be resolved, I then called customer service again and this time stayed on the line through the recorded message and spoke to someone. This is when I was told the issue was with multiple third party vendors including : XXXX XXXX, XXXX, and XXXX - to name a few. After asking a few more questions, the agent was able to tell me that they expected the issue to be resolved by XXXX - which I confirmed meant XXXX XXXX. 

The lack of communication and true transparency is troubling. There was no email sent to customers, no statements posted to the bank 's website, social media or other communication channels. Additionally, the agents seemed to be in almost the exact same boat as us customers - mostly without information. Unacceptable and irresponsible. We trust TD Bank to house our financial resources and provide services and this trust was breached today. I am still not sure which is causing the technical issue - was my privacy or security breached? Is my info vulnerable??
Consumer complaint received 2019-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (AZ)

I requested a Payoff Statement on XX/XX/2019 from BSI Financial Services per their instructions ( on back of mortgage statement ). The payoff statement had unexplained charges for a " Deferred Amount '' of {$2700.00} and for " Late Charges '' of {$250.00}. After speaking with multiple representatives no one at BSI Financial Services can explain the reason for these charges. Two weeks have gone by and BSI Financial Services still has not returned any of my multiple voicemails ( to a supervisor and to my SPOC ) or issued an accurate payoff statement. Now I am at risk of losing a new loan because of the long delay, which will cause me significant financial harm. 

It now has been twelve ( 12 ) business days and BSI Financial Services still has not provided an accurate payoff statement. This is a violation of Regulation Z 1026.36 ( c ) ( 3 ), and is a compliance violation. BSI Financial Services ' compliance violation and failure to provide even a basic minimum standard of service has put me at serious financial risk.
Consumer complaint received 2019-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AK)

**Please note this isn't a duplicate. The prior complaint was taken over the phone by a CFPB rep because I didn't have access to my laptop at the time. Upon reading what was submitted I discovered it's not the entirety of what I said or what was read back to me so I'm trying to come back and clarify. ** My questions for Loan Care, LLC are : 1. why have my loan fees increased by approx 2,000 multiple times even since the HOA back dues issue was settled. 
2. why am I not routinely sent a breakdown and explanation of what makes up the fee totals on my mortgage. ( online has one total, statement has another, verbal from rep and loan balance indicate yet another ) 3. can I please get a clear explanation via response to this complaint.
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

Equifax and XXXX are reporting incorrectly late payments in XXXX and XXXX on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) XXXX XXXX XXXX consistently did not apply the payments correctly to this account. One billing department was not in sync with the other department and consequently the lates that are reporting in both XXXX and XXXX are false. I have been working with a representative from XXXX ( her name is XXXX ) and she is working diligently trying to resolve this reporting error of late payments. In addition to resolving the late payment issues, the current reporting of the balance due on this account is incorrect. The account balance information needs to be updated to report accurately as well. This account is current and in good standing. There are no late payments to report. I have contacted the ( 2 ) bureaus to remove the lates however, I have not been successful.