davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

my RE taxes in XX/XX/XXXX it showed Paid, although my mortgage does not have a escrow account and for 18 years paid my RE taxes on time Bayview Loans prepaid the taxes in XX/XX/XXXX. they are deliberately adding expenses to the account by prepaying and placing forced homeowners and flood insurance on the property. I paid homeowners ins XX/XX/XXXX @ {$960.00} in XXXX Bayview purchased another policy with the same company and Bayview added {$960.00} in fees for a second policy. In XX/XX/XXXX i paid the homeowners ins In XX/XX/XXXX when i went to pay my flood ins. i find that Bayview had prepaid it. they are violating my load agreement by creating a escrow account and placing forced homeowners and flood ins on the property. Bayview filed foreclosure complaint in XX/XX/XXXX, the case was dismissed in XXXX discrict Court on XX/XX/XXXX. After months of not receiving any correspondence or monthly mortgage statements On XX/XX/XXXX Bayview proceeded to send me a bill for over {$20000.00}. I have asked several times to send a breakdown but they refuse. violations 1024.37 1024.34 1026.41 Regulation X
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 71XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Previous address on my credit file is incorrect and needs to be deleted asap. 
Experian XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX
Consumer complaint received 2018-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

There has been several errors on my credit file and According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify the accuracy of accounts listed. I have complained about this issue before on previous accounts. Please remove all non-account holding inquiries over 30 days old.XXXX XXXX XXXX XXXX XXXX XXXX. Please add a Promotional Suppression to my credit file. There is a bankruptcy account that is not accurate on my file Please delete it is in error. This account is in error please delete XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

The original owner od this card is my husband since XXXX, im not really sure the the year he put me as an authorized user only. He never ever put me as a secondary on any of his card. Late last year XXXX he just found out that the credit card company decided to put me as secondary without his and my knowledge i consider this as fraud. He was so upset and arguing with them that he didnt autorized it, my wife ( me ) doesnt work no incoome at all. I quit my job since my husband became XXXX and unable to work. He was so sick, he passed XX/XX/XXXX. When i reported to the company that my husband passed then the company put me as Primary account holder for {$14000.00} with the minimum payment of {$2100.00}. I dont have that kind of money im a senior depending on my social security for {$1900.00} and some cents. i have to pay my mortgage and my utilities and food and gas everything is high in prices. Please help me this givving me XXXX and my XXXX  im XXXX XXXX XXXX this year. Please i really need your help. I referred to you by the office of the Attorney General. I have getting letter that they will sue me or submit to the credit bureau to collect the full amount. My husband XXXX percent XXXX, when he passed all his benefits stop and he did not leave any estate. XXXX percent of the charges are my husband. I really appreciate your help. I called and talked to them but the wont consider anything, last month i pait  {$50.00} thats all i can afford but they accepted the payment. I just got the new statement with the minimun payment for {$2100.00} Yours Sincerely,
Consumer complaint received 2022-07-26
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. (TX)

I have sent a prev. dispute detailing my situation and what items should be removed in leu of the situation. I also asked for particular information if these accounts were not removed but was not provided to me upon completion of the requested investigation.
Consumer complaint received 2018-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NY)

Dear CFPB investigator I have opened this account for just about one month, and today I received my first statement with a {$25.00} service charge. I think it was because I didn't meet the {$7500.00} minimum balance to waive the fee, but I have added an external bank account ending XXXX from XXXX to fund my account, and I saw the account was disappeared after I scheduled an external transfer? So may I know why do People 's United Bank removed my external account and cancelled my external transfer? And could you please ask the bank to waive my {$25.00} fee, which was caused by the bank cancelled my external transfer and not meet the {$7500.00} minimum balance. 

Thank you, XXXX XXXX
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I made a payment of {$93.00} to XXXX XXXX XXXX in order to close an account that was delinquent. I was told that my credit report would be updated.As of XX/XX/XXXX the account is still showing as delinquent on my credit report. I received a paid in full letter but my account status has not changed in over two years.
Consumer complaint received 2022-07-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Contacted USAA on XXXX XXXX, 2022 to setup an auto loan which was originating from me, a USAA member, to purchase a vehicle from another USAA member for which USAA held the title. These details were made explicitly clear to the customer service representative named XXXX ( employee ID XXXX or XXXX ) who seemed unsure of the entire process. She assured me that she knew of the process inherently. Upon flying to XXXX on XXXX XXXX, 2022 ; I retrieved the vehicle ( as instructed by XXXX XXXX and sent in the authorization to record the lien. The very next day, I received a call from USAA who stated the loan was completed entirely incorrectly and that I would have to apply for a new loan. 

After two hours on the phone, I applied for new loan costing me another credit inquiry. The new loan was 0.25 % higher, no doubt because I had an inquiry the previous week. Lord knows how much this 0.25 % will cost me on the life of the loan. It is now XXXX XXXX, 2022 and the seller has yet to receive the difference in his payoff ( from USAA ). After calling back, I was told the second loan application was also filled out incorrectly and the seller needs to file a dispute with the bank for the difference. I am not sure how this bank can continue to operate with an employee constituency that is both poorly trained and unwilling to ask for help. I have also yet to receive the title which I was told I would receive in 2 weeks.
Consumer complaint received 2022-07-26
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. (WV)

I reported to Transunions through XXXX that the balance to our home depot account should be XXXX, paid off, but still open. 
I get a email from XXXX XXXX that my credit score has changed, dropped, i go look at my credit report and my scores decreased by XXXX points. I notice the home depot account is gone completely. I try to call Transunion and no luck as cant get through on the automatic prompts for my reason, then i instant message transunion on XXXX XXXX  and reps told me that the reason it was deleted entirely from my credit score is because i am a authorized user, that i disputed the account. All i did was mention the balance should show XXXX now. The rep, actually twice now today XXXX told me that their system is automatically set up to anytime a authorized user enters a dispute, they call this a dispute, it deletes it all, all of the history to that account. BUT, if it were XXXX that said hey this balance should be XXXX, they would not have deleted the account history from my score, so my credit score is lower now and it is not fair. Transunion told me to call the bank ( XXXX XXXX ) to have the credit history re inserted for myself that it would go back but it will be mid or late XXXX before XXXX XXXX runs a report again. The XXXX XXXX rep told me no when i asked for something from them to document my request and calling them today. They said they have no way to do that as all correspondence is pre typed, nothing for this matter. Just for me to check my credit score in late XXXX. this is not good. XXXX XXXX guy also told me that Transunion needs to be the one to put the info back on my credit report. I asked Transunion on chat again where it has this on their steps or website and everyone has replied saying it is NOT listed, it is not out there and that it is where I am a authorized user they automatically delete it, ( they didnt say they edit the balance or question XXXX or question me ) they just delete it all. This needs back on my credit report asap. I asked where the instructions are for a card user like spouse or other person on a card and they at transunion told me each time that there is no such thing thats just how it is. I asked how i would know this and they at Transunion just keeps saying thats how it is.
Consumer complaint received 2023-03-26
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-26
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. (MI)

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 XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-07-26
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: AMERICAN EXPRESS COMPANY (DE)

On XX/XX/XXXX, American Express National Bank ( AENB ) stated in writing the interest rate 0.5 % for Savings. 
I opened a Savings Acct. on XX/XX/XXXX : IRA # XXXX Issue 1 : I sent Checks to AENB on XX/XX/XXXX & XX/XX/XXXX. AENB record show deposit of checks on XX/XX/XXXX [ 11-days late ]. At interest rate of 0.4 %, not 0.5 % as promised. 
When I Q -- why? AENB didn't have an answer. 

Issue 2 : On XX/XX/XXXX, AENB withdrew {$25000.00}. from my Savings.

. I didn't receive those funds -- so, AENB put those funds back into my Savings 6-months & 10-days later ( as miscellenious deposit ), and didn't add interest. 
. So, on XXXX, I sent a Fax asking AENB 4-simple Qs, and I didn't get any answer :. Q : Why did AENB made this as a 'miscellaneous deposit ', never paid to anyone?

. Q : Did AENB report the transaction to IRA -- if it did, please fix it to avoid a problem? 
. Q : Advise whether AENB is willing to add interest for 6-months & 10-days? 
. Q : On XX/XX/XXXX, AENB shows interest payment of {$810.00} -- please advise where I can verify if this amount is accurate Or provide me a statement of 'monthly account balance, interest rate, interest paid, and the total balance ( for me to verify ). 
I did advise AENB, if it won't resolve this, I may have to report to Feds.XXXX 

.
Consumer complaint received 2019-09-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC. (OK)

My purchase of my primary residence with New American Funding has been rescheduled 3 different times. Two of the 3 times happened while at closing. The first one I was informed via email and the second no one called at all. The customer service has been absolutely horrible. The representatives I have worked with lack communication skills and professionalism. I was supposed to close on XXXX. It is XXXX and I still don't have keys. My utilities were transferred, I have had no electricity and no hater and no one seems to care. They will not offer any lender credits or anything else to accommodate for the horrible service.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX Complaint : 15 U.S.C 1681 I didn't authorize anyone employed by these companies to make any inquiry and view my credit .This is a serious violation of the fair credit Reporting Act Section 1681b ( c ) a serious breach of my privacy rights.

15 U.S.C 1681 Section 602 A states I have the right to privacy 15 U.S.C 1681 Section 604 Section 2 : its also states a consumer Reporting agency can not furnish a account without my written instructions therefore this need to be deleted off my account ASAP
Consumer complaint received 2023-03-26
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. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-02-06
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. (CA)

I've tried disputing inquires I see reporting on my credit report that I did not authorize but have not heard back from the credit bureaus so I'm issuing a compliant on my behalf.
Consumer complaint received 2018-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2020-09-23
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. (NC)

I have contacted Equifax several times about several accounts that were opened in my name as a result of fraud. The accounts listed on my report for XXXX XXXX XXXX  account XXXX, Several accounts from the DPT/ED XXXX, XXXX XXXX XXXX  acct XXXX, XXXX/XXXX  acct XXXX. I have no knowledge of these accounts nor did I receive any merchandise from them. Please delete these accounts from my report. I initially sent this request XX/XX/20 with all documents showing proof that this does not belong to me. Again I am asking to remove the above accounts from credit report.
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I been checking my credit and I have found some late payments in my XXXX XXXX account # XXXX, under FCRA,15 U.S.C 1681 I'm requesting the physical proof of these late items with according with FCRA you should have on file in order to provide one hundred percent accuracy on these report.
Consumer complaint received 2022-07-26
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Affirm Holdings, Inc (CA)

On XX/XX/2022 the amount {$96.00} was paid to AFFIRM INC, and again on XX/XX/2022 the amount {$96.00} was paid. A grand total of {$190.00} was paid. 

AFFIRM is the intermediary for XXXX retail business for the purchase of -1- Remixed Shirt size X-Large at {$140.00} cost, and -1- Remixed Shirt Dress size X-Large at {$220.00} cost. The total purchase price for the -2- items was originally billed {$360.00} plus {$26.00} tax, for the grand total cost {$380.00}.

The nature of the dispute. ONLY one item was ever delivered : ONLY the -1- XXXX XXXX XXXX for {$220.00} was delivered on XX/XX/2022. 

The -1- Remixed Shirt for {$140.00} WAS NEVER DELIVERED. 

I reached out via email multiple times to the retail business XXXX directly, I never heard from anyone. 

I emailed the intermediary AFFIRM via email multiple times, requested that the -1- Remixed Shirt for {$140.00} letting them know that the -1- Remixed Shirt for {$140.00} was never delivered, and provided supporting documentation. I continued to receive generic emails requesting the SAME PROOF and unreasonable steps to take in each email. I asked that the matter be escalated to management, and to receive a call back from a live representative, which never happened. Finally, I asked that the Remixed Shirt for {$140.00} order BE CANCELLED. 

There has never been any resolve. Instead, I keep receiving harassing emails from the company AFFIRM repeatedly requesting payment for merchandise I NEVER RECEIVED. I am now receiving emails threatening collections. 

The original order number XXXX and package tracking number XXXX. 

AFFIRM is a scam and fraud. There are no " live '' representatives to deal with discrepancies with the purchases made using their installment payment services.