davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-18
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. (GA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX  Date Updated : XX/XX/XXXX
Consumer complaint received 2021-11-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (CA)

There is a dentist in Florida who claims that he is owed {$440.00}. I have proof that it is only {$320.00} as monies have been paid in addition he had caused me to be overnighted in the hospital due to his medical negligence I need this off the report he keeps lying to the credit bureaus and using a false amount
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

i notice inaccurate and incomplete items on my account from XXXX, XXXX, AND EXPERIAN  and sent them dispute letters regarding the negative items they are reporting on XXXXi haven't gotten any response thus far with those companies and i also attached copies of the letters below.
Consumer complaint received 2021-11-18
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting : XXXX {$0.00} XXXXBalance {$14000.00} XXXX XXXX XXXXBalance {$1000.00}
Consumer complaint received 2019-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY (AR)

I used to bank with wachovia bank ; wells fargo bought them out in XXXX. My interest rate of 8 % fixed, wells fargo advised me that the terms will never change everything will just transfer over. As of XX/XX/XXXX I noticed my interest rate went up because I was paying more on my monthly payments. Then in XX/XX/XXXX my interest went up higher than normal and I decided to look into it. When I did the terms of my APR changed from fixed to variable. I contacted Wells Fargo and no one cant tell me why my rates changed and its been over a month.
Consumer complaint received 2022-03-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company (CO)

In the summer of 2021 I began seeking properties to purchase with XXXX, XXXX XXXX. With XXXX 's help, was able to find a suitable property and began the purchase process to include spending {$250.00} on a property inspection. Sadly, another bidder secured the property and it was sold to them. Luckily another property became available and once again started the purchase process to include another {$250.00} inspection using the same inspector. 

Throughout this time, I worked with Mortgage lender, XXXX XXXX who worked at Guild Mortgage in XXXX, Colorado. I was assured by the time I had requested the first {$250.00} inspection on the first property that I was pre-approved and just had gather documents, provide XXXX money, etc. I provided XXXX in the amount of {$2000.00} certified funds for both properties we had settled on. 

I believed whole-heartedly that I had finally, at age XXXX, been able to become a homowner only to find out from XXXX XXXX XXXX XX/XX/2021 that he had submitted my loan for underwriting and they had declined my application for the following reason : That during the Covid-19 pandemic, I was unemployed for 6 months plus 21 days and that was not acceptable to the lender for some reason. 

My complaint surrounds the fact that I was assured I was approved LONG before I spent {$500.00} on property inspections. 

Furthermore, it was a pandemic and many people were out of work much longer than 6 months and feel I am being singled out in this manner. There must be some caveat surrounding that 6 month rule pertaining to the pandemic and I request a review of my application and file with Guild Mortgage. 

Thank you.
Consumer complaint received 2021-08-24
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. (FL)

I submitted a complaint regarding fraudulent information on my credit report. Two days after doing so, Equifax made two files for me. Now the problem is worse than it was before. I need my complete file to be correct, and not have two files.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANCO POPULAR DE PUERTO RICO (PR)

On XXXX, XX/XX/2024, I inadvertently left my BPPR XXXX  debit card at an ATM during a trip to XXXX, XXXX. Immediately I realized about XXXX minutes later, I ran to the machine and they had already removed the card. I tried several times to contact the BPPR telephone numbers on the back of the card without success presumably because the call is long distance. I called my daughter in XXXX  who managed to cancel the card using my credentials. 

Upon returning to XXXX  on the XXXX ( 3 days later ), I was able to speak with a BPPR representative who confirmed that the card was blocked and we went over the fraudulent charges which were all still in process. Even after taking these precautions, the BPPR honored the fraudulent charges! 

They sent me a letter saying that the bank 's policy is that I am liable up to {$500.00} if I do not contact them within two days of the episode. The BPPR made an error because all charges were in process with the card already canceled since the day of the event. There are only two charges on the same day, XX/XX/XXXX, after I lost the card, which curiously appear in the attached statement before withdrawal at the machine. All other charges were two days after the card was canceled.
Consumer complaint received 2021-11-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (CA)

I am applying for a refinance of my income property. I have submitted all statements, proof and information XXXX has asked for including direct access to my income taxes. There was only one item that I had questioned. They want me to sign a Third Party Authorization Form that covers a large list of items that they told me they do not need, " the amount and source of the down payment, employment and income information, and assets and liabilities. '' and " I/We authorize you to provide to Lender and to any investor to whom Lender may sell my mortgage, and to the mortgage guaranty insurer ( if any ), any and all information and documentation that they request. Such information includes, but is not limited to, employment history and income ; bank, money market, and similar account balances ; credit history ; and copies of income tax returns. '' I asked the Manager on my account if the form could specify an end date on the document and if the form could list what they wanted access to more precisely, before I signed it. They denied both these requests via email, at first stating they could not legally change the document, then stating that it was against their policy to change the document. I asked them what they still needed for my application as I has submitted everything they asked for. The answer was, " We will conduct a verification of employment within 10 days of your closing date. '' I told them I would be happy to request my company give them access to my records. They stated, " As of right now that is all we would need, however, please keep in mind that your file has not been submitted for final review to our Underwriting team. Just to be very clear, we will ultimately need that third praty authorization form signed. We will not proceed with the loan if that form is not signed. '' I am an older person trying to limit my exposure to fraud and advertisement. I am fearful that even though XXXX assured me they have all the documentation they need from me, they said they will turn me down for a loan if I don't sign an unnecessary document so they and their business partners have access to seemingly unnecessary information. They are unclear as to why they are insisting I sign this Third Party Authorization or they will deny my loan. 

I do understand I can go to another company with whom I haven't had this issue, but the rate would now be higher since I already locked in with XXXX. Now I am concerned there will be retaliation after I have questioned them. In the past, I have always provided any documents asked of me in this process. This seems odd and overly aggressive.
Consumer complaint received 2021-11-18
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/2017 XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX Balance Owed : {$3200.00}
Consumer complaint received 2021-11-18
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. (CA)

I do not believe I have gotten a fair and honest response to items on my credit report that are unknown to me. I have sent XXXX dispute letters to all bureaus in the last 120 days.
Consumer complaint received 2021-11-18
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. (CA)

I do not believe I have gotten a fair and honest response to items on my credit report that are unknown to me. I have sent XXXX dispute letters to all bureaus in the last 120 days.
Consumer complaint received 2018-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I have disputed a debt with Experian 5 times with a response that the account being reported on credit report has been verified and is accurate. I called Experian today to ask them how they verifying the information is accurate and I was told by the agent that they verify with the company over the phone. I asked her if the are verifying with the number provided to me on my credit report and she said yes. I told her that I called thee number and its an incorrect number that the number provided is an automated service trying to sell me different things. She then provided me with an alternate number which I hung up and called the new number and its the same automated service trying to sell me things. I called Experian back and told my story again and told them I have disputed this account 5 times with them and even called the original creditor being reported with no records I owe this debt. I have sent multiple certified letters to Experian and XXXX and the company provided asking to be provided with viable evidence this is my account but I get nothing but an Experian agent telling me they verified the information by a phone number that is an incorrect number. It's a scary thing that Experian hold my lively hood in their hands but the told a bold face lie. If they had verified the debt with the number the provided then they would know its a fraudulent account and I wouldn't be dealing with this for over a year. The account being reported is XXXX XXXX XXXX with no account number provided and the address is incomplete and the phone numbers are incorrect. Please explain to me why this is being reported on my credit still?
Consumer complaint received 2021-04-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

Hello PayPal closed my two accounts for my personal and business due to their mistakes. I have not been able to get resolution to this issue. We first submitted our beneficial owners account for review as requested back in XXXX and due to a website glitch on their end, they did not recognize that we had submitted it even though we have messages confirming we submitted it. We then, were limited because they said we had not submitted beneficial owners information. We then used my AP paypal account to handle while PayPal tried to rectify the issue. They then closed that account for circumventing their restrictions. Even though we were told it was ok and was an issue on their end. Additionally, in XXXX they limited out account for review and we submitted all requested information and they had a multitude of issues verifying tracking. We then finally got a to a manager and realized that we were using freight companies that they could not verify our account. We got that resolved but they unilaterally held over XXXX for 4 weeks due to their mistake. We then had our account limited on Wednesday after finally getting the funds released last week and paying and ordering a lot of items. We think that any issues we have had were directly caused by Paypal and the damages are incredible. No one has been able to help and now they closed our accounts and are holding funds. This is incredibly unfair to us and their clients. Please kindly help. my emails associated with this are XXXX and XXXX Thank you
Consumer complaint received 2017-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MS)

I went online to make my payment and decided to check the capitalized interest. How in the  XXXX  is Navient able to charge so much  XXXX  interest I HATE this company, they come from  XXXX . They are not even trying to help students pay off their student loans. On  XXXX / XXXX / XXXX , {$250.00} in capitalized interest was added to my balance. Then on  XXXX / XXXX / XXXX , {$890.00} was added to my balance. These people are absolutely horrible. Another problem, why the  XXXX  do they have to have your bank information. There should be options, I do n't like making payments with my bank information. I want my account reviewed and I want the  XXXX  interest reduced! This whole student loan industry is created on thievery!
Consumer complaint received 2017-06-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION (IL)

XXXX XXXX, 2016 in the XXXX County of Deeds, CIT Bank, f/k/a Onewest Bank, N.A. duly recorded a Deed on Lieu of foreclosure ( document number : XXXX ) for the property located at XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX ( " XXXX XXXX '' ). XXXX XXXX  property Identification Number ( " PIN '' ) is XXXX I only conveyed XXXX XXXX to CIT. However, a closer look at the legal description attached as " Exhibit A '' to the Deed indicates that the PIN XXXX, belonging to the property located at XXXX XXXX XXXX XXXX, XXXX, Illinois, XXXX ( " XXXX XXXX '' ) was included. <P/>The property with the PIN ending in XXXX was retained by me and is encumbered by a Mortgage with XXXX XXXX XXXX, which I pay monthly. CIT 's error has caused the land ending in PIN XXXX to be sold and conveyed to other entitles, which are not entitled to have the property. I 've made a formal demand for CIT Bank to correct the deed in the XXXX County Recorder of Deeds office, they refuses to make the correction.
Consumer complaint received 2022-03-25
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. (MD)

The lists of inaccurate information about items are still reported on my credit report. I already sent a letter to TransUnion Credit Bureau to investigate the erroneous accounts on my report. I believe that I always paid on time and this bureau is reporting inaccurately. I am seeking help to verify and block the erroneous accounts on my credit file. Below are the lists of the erroneous items reporting on my Credit Report : Late Close : XXXX XXXX Balance : {XXXX} ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX XXXX  XXXX Balance : {XXXX} ; XXXX ; XXXX XXXX XXXX Balance : {XXXX} ; XXXX Inqiries : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I placed an order for a special order item with XXXX XXXX XXXX. The advertisement and sales pitch of XXXX  has since been deleted. The merchant was an advertiser on XXXX. His account has been cancelled. 

The credit card company is refusing to. let me place a dispute on a fraudulent charge. 

The company is citibank. 

The seller has not even sent me a receipt for payment or acknowledgement. 


The cc company wants me to. wait 6 months. 

XXXX has suspended the sellers account
Consumer complaint received 2019-08-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION (NJ)

M and T bank could not justify XXXX in overdraft fees in a one month period of time. The overdraft fee amount is XXXX each which would mean there would have been 72 overdraft charges to add up to XXXX. When asking for a breakdown or more information for the charges they would not give me the information. When I checked my checking account there were enough funds and the timing of the overdraft fees did not match the balance of my checking account.
Consumer complaint received 2020-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (IN)

Revco Solutions has put non-HIPPA compliant accounts on my credit report and claiming that I owe the amount shown. There are three ( 3 ) accounts in the amounts of {$500.00}, {$280.00} and {$1200.00} for which there is no account number, no explanation and no dunning notice. 

Furthermore, Revco Solutions did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information to credit bureaus, they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

Finally, I want to see an agreement with Revco 's client that grants them the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX XXXX  XXXX and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX, XXXX. 
Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports.