davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was recently divorced and as a result I was relieved of all financial obligations of a loan with XXXX that was taken out by my ex-spouse. This decision was a judgment as a result of the divorce and separation of assets. XXXX is not honoring this judgment and continues to report this account to my credit file when I have no legal obligation to this account. Due to the abuse at the hands of my ex spouse, XXXX is continuing to allow the financial abuse to continue. XXXX should honor the court 's judgment and cease reporting this account to the credit bureaus. This ongoing fraudulent reporting has caused me emotional and financial hardship and distress. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

There was a purchase of a gas dryer from Best buy from XXXX. I happen to notice this order in my history shortly after the XXXX, via my XXXX  ( Best Buy App ). I cancelled the order via the app and I did get the confirmation. I reached out to Best buy trying to find out the means that this order was placed ( Cell phone, desk top, etc ) I also asked for the IP address of the placed order, so that I could use that for the fraud. I received nothing, I have gone back and forth with the bank and the merchant for this order I did not place. I have recieved a temp. credit and then rebilled several times for this order. At this point The merchant will not take any of my calls, they cancel any online order I place, and also If I am able to speak to someone to state to me to contact my local law enforcement. I have letters dated with the following datesXXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Please note in the first two investigations I requested the documents that were obtained and used to make the determination and the bank did not comply, please see the letter I sent to them, they did send me the docs after that written request. So finally in the letter from XXXX it was found in my favor, and the matter was considered closed, however it was reversed in XXXX, please see the letter from them dated XX/XX/1923 and my letter to them dated XXXX. I called them on XXXX to spoeak to someone, and in sum they stated that I needed to take this matter to court, but they did not provide any information to me on who to list on my court filing should I go that route. I also stated to them the law in CA where if I received unordered merchandise ( From the FTC ), then it was seen as a gift. I cancelled the order prior to the receive date, so I knew it was cancelled, also I never placed this order in the first place. They claim that it was delivered. When the determination was made in my favor, it was based on the same evidence that was used to reverse it in XXXX. Does not make any sense.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. Please have these inquiries removed from my credit file immediately because it is making it very difficult for me to acquire credit. 
XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2019-10-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (WA)

I was in a wreck on XX/XX/19. The car was a total loss and the insurance company declare it so within a week. US Bank is the lease holder. For nearly a month my insurance has ( XXXX ) has been attempting to pay off the car. They have submitted all the requested paperwork to US Bankand have even conferences me in on a call to them to confirm that they have received all the documentation. Each time US Bank tells them to refax the information, which they do immediately. They have also emailed me confirmation. Still US Bank has not provided them with a pay off information. I just got a bill in the email for the next payment for a car that was wrecked over a month ago. I have already purchased a new one since I had to have transportation and cant and should not have to pay on a car that is totaled and which the insurance company is willing and able to pay off! US Bank has provided no reason why they are not completing this transaction, and when I call and ask what I need to do, they just direct me to call the insurance company so they can fax documents again. It is a never ending circle and US Bank has not escalated this issue or offered to help in any way.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AR)

In the Public Records area of my credit reports, I see a Bankruptcy that was last reported on XX/XX/13 to XXXX XXXX. The account now shows closed and with a XXXX dollar balance and as a Chapter XXXX discharge from Equifax with the same XXXX dollar amount balance. I made the mistakes, I paid my dues and I suffered the embarrassment ; I think its only fair to allow me to go on with my financial life with what I have learned only to grow from it. The account was closed, dismissed, and discharged,  long enough ago for me to now have a piece of mind. Recently, I tried to make a large purchase for my family and the only thing that hendered the purchase was a Bankruptcy that was unfairly remaining on my credit from years ago that is now PAID IN FULL! The statue of limitations for this detrimental information would be up even if the account were open or still valid. Its time to remove the account and stop the deformation of my financial charter. Thank you.
Consumer complaint received 2017-07-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc. (LA)

For several months, I worked with XXXX XXXX, a loan officer for the American Financial Network. He pulled my credit 4 times, got me pre approved for an FHA loan and gave me some advice on how to increase my credit score. In the end, I could not be approved because I had a federal student loan that was in default. This was a fact that he should have known in the beginning, when I explained to him that I was in default and would be for 9 more months. He pushed anyway, telling me that the federal loan default would not prevent me from getting a federal loan. By the time that the loan was rejected because of the student loan defaults, XXXX supposedly ran a credit simulator and instructed me to call several creditors with debts I had paid off and have them removed from my credit report. At my time and expense, I did, and was rewarded with a 105 average drop in points on my credit scores, due to having less credit accounts and length, and to the many inquiries. After talking to all 3 credit agencies, at even more expense to get counseling on why my credit score dropped so drastically, I was instructed that the only thing I could possibly do was to get some of my inquiries removed. I contacted XXXX, he apologized profusely for not realizing his error with the student loan default before wasting 7 months of my time house searching and all, and agreed to seek deletion of my inquiries that he made. We had a conference call with an agent of the credit pulling company they use, and she instructed him to write a letter, which I would submit to the agencies, and the agencies would contact her to get the deletions done. He wrote the letter and sent it to me, however, he was mistaken, again, this time about how many inquiries were made. The letter he sent me reflects to delete XXXX inquiries, however, there were XXXX. XXXX XXXX no longer works for AFN. I was forwarded to a XXXX XXXX, where I explained the damage done to my credit by XXXX. XXXX said that he would not help me with a letter deleting the inquiries made in error.
Consumer complaint received 2018-05-21
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. (WI)

I submitted 3 collection accounts for dispute with Equifax at the end of XXXX. Their determination was timely, but incomplete and incorrect. I submitted the exact same disputes to XXXX  and they removed the collections from my report. Equifax removed one, and said that the other 2 are valid, when they are not.
Consumer complaint received 2018-05-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I've noticed this inquiry which i did not authorize or gave any consents on following day : - XXXX XXXX XX/XX/2018 I surely believe maybe it's fraud or stolen identity. 

As result of this, my credit has been affected and preventing me for applying for loans. 


Thanks, XXXX XXXX
Consumer complaint received 2019-07-24
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. (NC)

CRA is in continuous error and hence violation of the FRANK DODD ACT, along with several FCRA, FDCPA and other consumer protection laws.
Consumer complaint received 2019-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP (TX)

I review it the company reply of my complain CFPB Case No : XXXX, in it the bank said the " XXXX XXXX PMI removal requirements were amended and effective XX/XX/2018 '' however I do not recall been notified. In my case, if someone would have pointed out, I would have eliminated my PMI, now there was no longer require a new appraisal, I would have probably done verbally. 

Actually in my last Escrow Account Disclosure Statement does not indicate anything at all about the changes in the rules about the PMI, it does not even reflect the status of the same at the time, to give me an idea that I was overcharged. In my case, I reached the LTV 78 % at the moment to apply the payment done on XX/XX/2018, this means I was overcharged by at least 8 months. 

I happen to I noticed was when I got online into my mortgage and looked into any single option available and I read about it, was when I picked the phone and called and asked, otherwise more time would have passed and more unfair charges would have been applied. Should at least the bank send me a note about the benefit I was missing?
Consumer complaint received 2021-07-23
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. (PA)

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by EQUIFAX. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 is the inquiry that is still reporting on my account : XXXX XXXX XXXX-Date of inquiry XXXX XXXX XXXX
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (OH)

Some one at XXXX XXXX in XXXX Ohio on XXXX XXXX like case manager XXXX XXXX before she went on perternty leave to have her baby made mother precious XXXX XXXX my payee with out my consent or authorization because I gave my daughter XXXX XXXX XXXX XXXX to complete her internship in XXXX school to get her XXXX XXXX XXXX XXXX in XXXX school. XXXX XXXX a prejudice white boy in XXXX XXXX Ohio that have been stocky harassing and blocking my Light because I am a XXXX degree XXXX trying to connect to the oneness of XXXX all-seeing I at XXXX XXXX in XXXX Illinois at XXXX in XXXX XXXX California confered degree XXXX XXXX in my seventh XXXX Degree Initiation at XXXX XXXX in XXXX Illinois where precious XXXX XXXX and XXXX XXXX the joker are with XXXX XXXX and his mother after my index finger and kids index finger. Camping out all XXXX following everyone I go even To work he has his XXXX members after me him and XXXX XXXX the joker in XXXX Ohio blocking my Light
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

I have been try to get this company to clean my credit up and delete the things I dispute and update my credit report they took my credit score down and I am not understanding why I am XXXX years of age and pay my bills on time my score should be XXXX not XXXX one day my score will be XXXX next day XXXX I will like my score to stay XXXX
Consumer complaint received 2022-10-06
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: Experian Information Solutions Inc. (IL)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Zions Debt Holdings (TX)

Zions Debt Holdings LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is violation of federal law by reporting an ADT account that is over 7 years old since the last payment was made on all my credit reports. Zions Debt Holdings LLC was established in UT on XX/XX/XXXX is apparently practicing debt collection without a license once again. Previously, they did the same thing in XXXX under XXXX XXXX XXXX XXXX name. The same actors, such as XXXX XXXX, seem to be running this business. A complaint with the Utah  Department of Commerce will be filed over the phone this week. Please use your federal oversight to investigate these people.
Consumer complaint received 2019-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

They added a XXXX card with XXXX debt on it to bring my score down 40 points. I disputed the card, they agreed it was a mistake, took it off, now my score dipped again.

I have 0 credit card debt, a positive bank account. No late payments in a decade this is their mistake causing my credit to dip which is negatively affecting my ability to buy a home
Consumer complaint received 2019-07-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

PHH Mortgage LN XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Short sale was started on XX/XX/19. There has been no end of issues with PHH on this file. ( Being bought by Ocwen has drastically turned their servicing for the worse. ) STILL Having MASSIVE PROBLEMS. PHH doesnt seem to know how to manage their documents. We continually have to re-send the same documents OVER AND OVER AND OVER AND OVER to them. They might even confirm they have received the document, but on the very next call we are told they have not received it and we need to send it in AGAIN!!!!!!! 

-- -- -- -- -- -THIS IS NOT ACCEPTABLE -- -- -- -- - If PHH can not  manage their documents they need to be shut down. 


Do we just need to send the short sales to PHH via a CFPB complaint from now on?? Maybe then, FINALLY they wont lose the documents? 

CC : 1. OAG 2. XXXX XXXX 3. OCC
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Give me around 2 to 2 1/2 months ago I was having problems, accessing my checking and a savings account and online banking. There were charges made on my account that were not mine. When I received the notification of unusual activity by the time I was able to try and reply via text or online app, I have been locked out of my account. I visited several branches and spent numerous amount of time with the managers trying to access my account. I was told that everything was resolved over and over. 

I was able to get them to investigate a few transactions which they determined were fraud and then went back and said they were not fraud and charge back my account. Theres a course of this investigation it has been determined that this was not just an ATM or debit transaction that this was actually an identity theft situation. 

Not only do the thieves seem to have access to my account numbers but they have made changes and have access to my XXXX XXXX XXXX  account. My XXXX XXXX, my XXXX XXXX email my XXXX account as well as my XXXX XXXX  account. With his bank account they have been able to withdraw a substantial amount of money at ATMs. They also have apparently. 

At this time, apparently they are still able to access my account however, I am not. Finally, I love todays date I was able to game accessed online, however calling fraud. They were unable to help me once again. And they referred me to the local branch. I have been to the local branch three times, unable to get reservation because they are unable to access the online as well. 

We have been doing business with Bank of America since it was XXXX  XXXX, then went with nations bank and finally now Bank of America for over 30 years. 

I would like these transactions verified, as well as the phone calls that are supposedly record it with fraud to see who is taking control of my life, my money and my accounts.
Consumer complaint received 2022-12-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (FL)

I brought a car from a car dealership where I was approved for a loan which went towards the car and I also put down a downpayment which I wasn't a ware that I didn't have to do so it was time where the car got repossed cause i couldn't afford and to the last point where I had to call them to get the car mind you they sold off the car and I found out there where still adding interests towards the car and I don't even have it anymore which came up to XXXX XXXX
Consumer complaint received 2019-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

CRA is in continuous error and hence violation of the FRANK DODD ACT, along with several FCRA, FDCPA and other consumer protection laws.
Consumer complaint received 2020-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (PA)

AR resources INC XXXX $ XX/XX/2019, this company has called me numerous of times at an inconvenience of timing for me attempting to collect a debt that i do not owe, based off of 15 us code 1692g this company has not provided me with the 5 parts that constitute validating a debt! This company has contacted numerous of times at an inconvenience and troubling times and based off of 15 US code 1692 ( c ) a1 this is a violation, this company has also violated! Also 15 us code 1681a ( 2 ) ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer credit report. This company has reported that i owe a debt to the three major credit bureaus, i am asking that this be resolved with an immediate removal and letter sent to each bureau requesting removal, or i will send an invoice which states each violation and i will pursue legal action
Consumer complaint received 2023-04-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC (CA)

From the end of XXXX through most of XXXX, I was severely struggling financially as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Although the last few years were challenging for all of us, I did my best to make all my payments on time to creditors. I spoke with BMW a few times and explained that my business had been struggling and I could still not get funds for PPP or EIDL. I was also on rent relief which was more embarrassing. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I found out even though I was forced to be late on payments that BMW was also charging me {$35.00} late fees every month which was making my financial situation worse. I tried to allow myself extra time to make payments and was 30 or 31 days late which caused them to end up on my credit report. I hope that I can be forgiven and get those 30 days late removed from my credit report as it is having a burden on me getting a place to live for my son and I.