davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
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. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2021-10-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (WY)

We sold our home in XXXX, WY on XX/XX/2021. Around early XXXX I called Citizens to get an update on our payment for our remaining escrow balance. I believe that it was approximately {$900.00}. During that call they updated our contact information and said they would send us another check. On XX/XX/2021 I requested an update since we had not received our payment. They messaged us back on XX/XX/2021 saying that they would send us a lost check affidavit. I followed up on XX/XX/2021 because I had yet to receive the lost check affidavit. Citizens responded on XX/XX/2021 saying that the affidavit went out on XX/XX/2021. The affidavit arrived near the end of XXXX and I sent it back to Citizens. As of XX/XX/2021 I have yet to receive the check.
Consumer complaint received 2022-03-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (VA)

I Was just scammed for {$1400.00} by an ad on the XXXXXXXX XXXX XXXXXXXX site on XXXX 
A local community group that has never been a problem for me. 
The date was XX/XX/2022 The person was identifing as XXXX XXXX, she is not the scammer but her identity was stolen by the scammers. The name of the person I was to send the XXXX to was a different name, however I thought it may be her maiden name being used for the transaction, it did not seem unusual as people often shorten or use maiden names on there XXXX  profile and there full names on banking transactions. 
The address was a XXXX, VA Address and the home at that address was just put up for rent so it seemed legit. 
This was a high level scam with many layers and the red flags only showed once I paid. 

I bought items and paid with XXXX via PNC mobile banking app. 
I have bought from this site before as these people are my neighbors. I was given an exact address to pick up from. 

Now I find out PNC Bank and XXXX may not refund money.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after their investigation. I would like these items immediately removed and for good cause I have sent multiple disputes following the blocking of secondary vendors ( XXXX XXXX, XXXX, XXXX and XXXX ) back in XXXX and XX/XX/XXXX. Over the past year, I have sent in multiple disputes certified affidavits, follow-ups disputes and Transunion continuously sends responses back later then the requested time that I request that items be removed 14 days and 30 days. My most recent request ( Letter of Intent ) sent on XX/XX/XXXX asked that these items be removed within 3 days of receipt of this letter have not responded to date. 
" Transunion states that they have investigated the and verified this items and that the company that reported the information has certified to Transunion that the information is accurate '' These inaccuracies are highly injurious to my credit rating. 

Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual furnishers of information.

3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. THIS INFORMATION NEVER HAS BEEN PROVIDED TO ME NO MATTER HOW MANY TIMES I HAVE REQUESTED THIS. 

The following accounts are not reported by XXXX XXXX XXXX and I have proof of this information. 
XXXX XXXX XXXX XXXX XXXX/Reference XXXX XXXX XXXX XXXX XXXX XXXX/Reference XXXX XXXX XXXX XXXX XXXXXXXX XXXXReference XXXX Was removed however if this was verified and accurate why was this removed and not the others.

XXXX XXXX XXXX XXXX XXXX/Reference XXXX Please remove it from my credit report. 
Attachments that were sent to Transunion as apart of my disputes : Letter from Bankruptcy court Letter of Freezes place on my account Copy of most recent letter of intent Copy of most disputes that items were verified
Consumer complaint received 2016-04-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

I payed off my debt but its still on my credit this is the company name and number Fair Collections & Outsourcing account number XXXX Creditor : XXXX XXXX XXXX XXXX my name is XXXX XXXX
Consumer complaint received 2022-03-08
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX. And now we are in the month of XX/XX/XXXX, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX - Collection
Consumer complaint received 2018-08-02
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. (OH)

I WOULD LIKE TO HAVE THE FOLLOWING ADDRESSES REMOVED FROM MY CREDIT REPORT THEY ARE NOT MINE : XXXX XXXX XXXX, XXXX, AL XXXX XXXX   XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX, XXXX, AL XXXX MY EMPLOYER IS XXXX MY DOB IS XXXX MY SS XXXX MY NAME IS XXXX XXXX XXXX
Consumer complaint received 2018-08-02
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. (OH)

I WOULD LIKE TO HAVE THE FOLLOWING ADDRESSES REMOVED FROM MY CREDIT REPORT THEY ARE NOT MINE : XXXX XXXX XXXX, XXXX, AL XXXX XXXX   XXXX  XXXX, XXXX, AL XXXX XXXX XXXX XXXX, XXXX, AL XXXX MY EMPLOYER IS XXXX MY DOB IS XXXX MY SS XXXX MY NAME IS XXXX XXXX XXXX
Consumer complaint received 2023-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Credit Karma (NJ)

I had received provisonal credit on XX/XX/2023 for 2 disputes I had filed. One dispute was XXXX and the other dispute was XXXX total of XXXX. I had received the net amount total on XX/XX/XXXX and spoke to many representatives before the XXXX to get information on the disputes. They had let me know about the credit on the XXXX. Well XXXX  XX/XX/XXXX i check my account to see a withdrawal of XXXX back to credit karma without any notice or explanation. I called immediately and they stated it was because the dispute was denied but they should have given me a denial letter and 5 days after the denial reverse the charges. I have been calling now for 5 days and they keep telling me its being escalated and they will reach out via email. Its very frustrating all I want is an explanation and it to be processed the correct way
Consumer complaint received 2022-06-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (NJ)

I called Amazon today. This was the 3rd time. Customer service clearly said it is a problem with their " system '', and that I needed to talk to the department that changes mobile phone information in its system. Amazon had an old mobile phone number that did not allow me to purchase, log in, close account or do anything with my account. Now the Amazon credit card associated with the account does not work. 

Finally, XXXX in the Change Phone Number department, said she can not help me. That she can not change the mobile number not close the account. However I stated that you realize there is an App account associated with a bad account and that it needs to be deleted? She said there is nothing she can do. Then I asked her to close my account as I feel it is a security issue. She said she can not do that. 

In conclusion XXXX suggested I contact XXXX XXXX the owner of Amazon. I find this highly abnormal for a company to suggest. 

Please help.
Consumer complaint received 2022-03-08
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX. And now we are in the month of XX/XX/XXXX, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (ID)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-03-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I applied for a BOA mortgage and was approved in XXXX. The bank had several significant delays due to their own backlog that our loan did not close until the end of XXXX. The bank promised me a refund of my appraisal fee due to their delay. I never received the refund so I contacted the bank in XXXX. They assured me it would be paid. Its now XXXX and I have never received the refund. I've asked where the refund was sent ( if it was sent to a credit card as I don't have any indication on any card that it was refunded ). The people I worked with at the bank have ignored my emails and won't even respond. My loan number was XXXX under the name of XXXX XXXX XXXX. The amount owed is XXXX. The commit case was XXXX. XXXX XXXX confirmed that the payment would be processed on XX/XX/XXXX. I still haven't received the payment. I again contacted her twice and no response. I have also contacted XXXX XXXX and XXXX XXXX who have also not responded to my multiple emails asking for a status.
Consumer complaint received 2018-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

Since XX/XX/2017, I have been attempting to determine how many qualifying payments I have made under PSLF. I have called customer service repeatedly, and they have not been able to give a consistent answer. In XX/XX/XXXX it was 3 payments, and today it is 9. I have not been able to determine exactly why they have not counted the payments. The answer to that question is different every time I call. Today, I spent almost 90 minutes trying to speak to a manager. I was left on hold for over 20 minutes. I was hung up on. Ultimately I was told a manager would call me back. She could not say who. She could not say when.
Consumer complaint received 2018-08-02
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: TD BANK US HOLDING COMPANY (NY)

Good Afternoon, Td bank USA/ XXXX credit card is the company in question. XX/XX/XXXX to XX/XX/XXXX I was reported late by this company to the credit bureaus. That is 7 late payments that I was never late for. At the time I was mailing my payments in. Unknown to me the checks I was mailing were not being delivered to the company. The mailman was stealing my checks and using my banking information for fraud. At the time I was going through a divorce and was not paying attention to my finances as well as I should have. I was approached my the post master general and told of the situation and told the person had been arrested for check fraud. I should not be held liable for this. I have paid this account on time for 5 years and have 7 late payments that I am not responsible for. The account is current and paid on time. Soon as I found out my checks were not reaching the company I paid them again and the account has been current for years.
Consumer complaint received 2018-08-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Suttell, Hammer & White, P.S (CA)

COMPANY COLLECTION LAW FIRM WILL NOT REPLY BACK AFTER TRYING TO RESOLVE OUTDATED DEBT IN GOOD FAITH AND OR " XXXX '' SETTLEMENT ... AND 2 OTHER COMPANIES ASKING FOR SAME DEMAND OF PAYMENT ... VIOLATION " FDCPA AND FCBA '' ...
Consumer complaint received 2023-03-16
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. (TX)

In accordance with the Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 Name of Account Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 As 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, 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 know or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2022-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NE)

On XX/XX/2022, our scheduled mortgage payment was autopayed to the mortgage servicer, Mr. Cooper for the amount of {$2000.00}. Our usual payment is {$1500.00}. This payment was {$540.00} more than our usual payment. A review of our statement showed that the escrow payment portion of our payment doubled. First, the amount of escrow paid was not correct. Second, we were not notified that this would be changed. I called Mr Cooper customer service to discuss these issues. I was on hold for 30 minutes, then was given the option to leave my number and they would return my call. I received no call back. 

On XX/XX/2022, I called Mr Cooper customer service again, was on hold for 15 minutes, and again left my number to be called back. Again, I received no return call. 

On XX/XX/2022, I contacted Mr. Cooper customer service through their online message system. Three days later, I am still waiting to hear back from them. 

Mr. Cooper has taken no action towards contacting us, let alone trying to remedy the issue of their fraudulent withdrawal of our money.
Consumer complaint received 2024-05-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Interest rate
Company: PENNYMAC LOAN SERVICES, LLC. (LA)

On XX/XX/year>, I received a letter stating my request for my interest rate to be reduced per state SCRA law was denied. This came after I provided a copy of my military orders. XXXX  state law dictates that scra applies to debts incurred before XXXX after entering XXXX XXXX service. The explanation given by XXXX ( mortgage company ) was that my home loan was not a service and therefore did not qualify for the XXXX benefit for XXXX XXXX XXXX. This letter I received was delivered almost a whole month after I first started the process. I find this ruling to be complete nonsense, because a mortgage companys only product or service is home loans but they can claim that is not a service when asked to apply military scra.
Consumer complaint received 2018-10-19
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. (FL)

I have attempted to dispute an account with Transunion for a few months now. I have also sent a letter to the reporting company and had the letter returned " NOT DELIVERABLE AS ADDRESSED '', which is in violation of the Fair Credit Reporting Act.

I have disputed this account and requested it removed from my credit report since I can not verify the information with the company.

Since I filed a dispute with TRANSUNION, I have been blocked from Transunion " online '' and can not utilize the site anymore. I called Transunion and was informed that since I filed a dispute online, I can not view my credit report or utilize the online system until the dispute is completed. I also informed Transunion that it is in violation of some kind of law because all information is supposed to be completed in the applicable time frames and I can not view my accurate report and can only file a dispute by mail since I have been blocked. Transunion advised me to pay for a report each time and dispute it this way.

If I mail a dispute, 3-5 days in the mail, then 30 days for review, then the results would be mailed to me again since I can not review anything online. This would take approximately 6 weeks for any results of a dispute.

I am including a copy of the letters and a copy of the returned envelope corroborating my claim to have this account removed from my credit report.
Consumer complaint received 2022-11-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

To whom it may concern As a federally protected Consumer, I was uninformed on XX/XX/22 when I entered this consumer credit transaction with USAA. I WAS NEVER given any notice that I had a RIGHT TO RESCIND my contract which under the Consumer Credit Protection Act 15 USC 1635A which is a violation of MY CONSUMER RIGHTS. I also have attached my contract below that has a plethora of violations in it which makes it NULL AND VOID.

In my contract on the first page where you see 3 different charged amounts, my ANNUAL PERCENTAGE RATE and my FINANCE CHARGE are NUMERICALLY different which is a violation of FCPA 15 USC 1606A where it states that nominal annual percentage rate which will yield a sum equal to the amount of the finance charge when it is applied to the unpaid balances of the amount financed. This company is big enough to have lawyers who now the laws which means they willfully and knowingly violated me which is a violation of FCPA 15 USC 1611. Also, on the first page they have the different amounts that I owe which is very misleading and made it hard to comprehend what I actually owe. Also, when I went back and did the number seen on my contract my annual percentage wouldve cost me XXXX dollars but that doesnt add up with the XXXX XXXX that is presented to me in the last box with all the numbers added up that were shown on the contract the total price wouldve came out to XXXX. THATS XXXX XXXX DOLLARS over what was said to be the total amount I would have paid which violates FCPA 15 USC 1692E one again. Because those numbers are both false and misleading. On the FOURTH page of the contract under PRIVACY and NOTICE OF INFORMATION FURNASHING, I wasnt CLEARLY AND CONSPICOUSLY shown that I was giving USAA permission to use my CREDIT CARD ( SSN ) for their own personally ( TWICE ) use which means they used it without IMPLIED or APPARENT authority nor did them using my CREDIT CARD ( SSN ) benefit me at all. 
Which is a violation of FCPA 15 USC 1602K and 15 USC 1602P. on the SIXTH page of the contract under INSURANCE they did not CLEARLY and CONSPICUOISLY present to me where they violated my rights under the FCPA 1605C where it STATES Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended. I AM THE ORIGINAL CREDITOR, and my credit was extended to USAA which means this is a violation. It is also a violation of FCPA 15 USC 1602K and 15 USC 1692E Because not only was it FALSE AND MISLEADING but it was written in small print which means it wasnt presented CLEARLY AND CONSPICUOIOSLY.