davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-27
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. (FL)

In accordance with fair credit reporting act XXXX XXXX XXXX  Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 2020-02-25
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. (TN)

I have tried to resolve this matter with the creditors but i have not had any luck. The following accounts are not mines : XXXX XXXX XXXX {$66.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$1000.00}
Consumer complaint received 2020-02-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TN)

My husband ( XXXX XXXX ) and I changed our home owner 's insurance to another company in XX/XX/2019 saving {$1200.00} dollars per year in the premium. However, Rushmore refuses to lower our payment. Furthermore, they have arbitrarily said we have an escrow shortage of more than {$3000.00} and increased our mortgage payment when we did not fall behind in payments at all the previous year nor did we see an increase in property taxes. Again we saved money on insurance.
Consumer complaint received 2022-05-05
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: Westlake Services, LLC (NC)

I recieved a notification of some inquires that i did not recognize or authorize that appeared on the credit bureau 's. I've tried to have them removed but but have gotten no where. On XXXX, in XX/XX/2022 and 2 companies called XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX both submitted an inquiry that i did not authorize and am trying to get it removed asap because it's affecting my credit scores. 
Also I believe same company pulled an inquiry on my XXXX, XXXX XXXX XXXX XXXX for auto on XXXXXXXX XXXX XXXX 
Also on same date on XXXX, these same companies and some additional ones pulled inquires, XXXX XXXX XXXX XXXXXXXX XXXX XXXX WestLake Service Inc, & XXXX XXXX all pulled on XX/XX/2022. 
I personally did Not autherize any of these inquires, please help. I've done all that i can do, thanks in advance for your help!
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

As I am trying to start my business, and can't borrow money because these credit people sit in jurisdiction over my life, and continue to report me as a Zero= XXXX, who is like a new born baby. As someone who has never applied for credit anywhere. Not only do I have a loan that I have paid over {$100000.00} for, I have a credit card and a car note, but they keep displaying my credit score as a XXXX, and it is ruining my life plans.
Consumer complaint received 2021-08-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (IL)

Fay Servicing. 
My XXXX payment online stated {$1600.00} I however could not make a payment online or over the phone. I had to make it with a representative who confirmed verbally that my payment was indeed {$1600.00}. I paid that and waited for the online problem to be resolved. 
I checked my account online a few days later and it showed my XXXX payment had not been received and was still reporting I owed {$1600.00} for XXXX. I called XXXX and spoke with XXXX who stated the rep who took my payment a few days prior had applied the payment wrong and XXXX said she fixed it and my online issues should be fixed. That was on XX/XX/XXXX. XXXX told me to give it 3 days and everything should be reporting correctly. XXXX also told me my next mortgage payment was only {$660.00} and was not due until XXXX. I told her that can not be correct, our mortgage was ending its modification and the payment in no way shape or form was only {$660.00} for XXXX. 
Then, I received a statement in the mail dated XX/XX/XXXX showing that I had an overdue payment of {$660.00} and a regular monthly payment of {$660.00} with a fee of {$410.00} totaling {$1700.00} due for XXXX. So I go online and the payment reflecting for still XXXX is now {$2300.00}. The XXXX payment was changed in the middle of XXXX. So I call again and am told {$2300.00} is my new mortgage payment after the modification and I owe {$650.00} to get XXXX current. I asked both XXXX and XXXX how my XXXX payment was not current online or on the statement mailed to me and who changes a months previous payment amount. I paid what was online and what the representative stated I owed when I called. I even put an extra {$100.00} to the principal. 
So, we now have to scramble to come up with an extra {$660.00}, that we would not have even know about had I not checked myself, and my fear is we are going to now be marked late because I won't have that extra money in my budget until the first week in XXXX. 
I am applying for another modification and have been trying to refinance with Fay through a rep who ran our credit reports but I have not heard back from. 
Changing the amount due though does not seem honest or ethical when the change happens a full month later.
Consumer complaint received 2017-09-06
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. (CA)

To Whom It May Concern ; I would like your office to investigate the following. I paid in full an amount owed to XXXX XXXX XXXX XXXX in California, which was submitted to a third party collection agency, XXXX XXXX. In addition to the payment, I made 4 copies of the money order as proof of payment, because I knew I could n't rely on the collection agency to report the payment to the bureaus and have it removed from my profile. I mailed it to the collection agency and the 3 credit reporting bureaus on X/XX/17. As of today X/X/17 the debt is still listed on my XXXX XXXX profile as unpaid. 

Additionally, I filed a dispute with all 3 bureaus regarding a co-borrower account that belonged to my son, who did not have my written authorization to use me as a co-borrower. Nor did the apartment complex XXXX XXXX have my signed authorization to use my information as a co-borrower. If they would have had my full and complete information the transaction would not have gone through. The apartment complex has not and can not furnish any proof of my written consent, yet they still insist the debt is mine. My son has since paid the debt in full ; yet the collection agency XXXX XXXX and the apartment complex refuse to remove the account for my profile. It seems like the collection agency is looking to get paid twice. Which I 'm sure is a common practice with collection agencies. 

Both of these are having a negative impact on my credit score and I am determined to get all of my debts paid off. The 3 credit reporting agencies and the collection agencies are n't acting in the best interest of me as a consumer, because they are not enforcing the rules and regulations which require the fair and accurate reporting of my debts and payments. 

If you could look into and help me resolve this matter I would be grateful. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (TX)

I have contacted Commenity Bank concerning my Victoria secret and XXXX XXXX account I opened in XXXX, that went into delinquent in XXXX. I have requested them to email me all the payment records and information on whom the sold the account to. I have been given inaccurate information and will like for the Fair Credit to investigate this matter. My credit report states that I made payments in XXXX in which was false. I lost my job in XXXX and was unable to pay my credit cards and car note. I stop paying both credit cards in XX/XX/XXXX. I was told by Commenity Bank my accounts was sold to XXXX XXXX, but when I contacted XXXX XXXX  they was unable to locate me in the system. XXXX XXXX attempted to use my social security number but still was unable to find me in there system. I called Commenity Bank back and explained what the representative told me from XXXX and still got the same information again. Commenity bank does not provide accurate information to consumers and is not following the guidelines of CFPB. Commenity is selling consumers information to unknown companies and risking identity theft to people like myself. On my credit report Commenity Bank does not have a phone number, I had to XXXX this address to call them. This is company is fraud and if I dont receive the information I need, my next step is to get a law suit in place. I should have a option to know where my information went and be able to have the option to settle the debt. 
Contact info Address XXXX XXXX XXXX XXXX, OH XXXX Phone number None provided - Comments Transferred to another lender Purchased by another lender
Consumer complaint received 2023-02-22
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. (GA)

Ive went over my credit report as i am trying to purchase a house and i have sent multiple disputes to this credit reporting agency, with whom are violating many consumer laws 15 U.S. Code 1681g - Disclosures to consumers, being one & also 15 usc 1681 ( a ) ( 4 )
Consumer complaint received 2022-02-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Consumer complaint received 2022-02-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report.
Consumer complaint received 2017-09-06
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: JPMORGAN CHASE & CO. (MN)

I ordered clothing while at a store in XXXX, XXXX for {$1800.00} using my Chase XXXX credit card on XX/XX/XXXX. The following day the store sent a person to do some measuring at which time I noticed the materials did not match those I chose in the store. I ask the store to cancel the order, but they refused to do so. I immediately contacted Chase to dispute the credit card charges. When the clothing arrived, it was not what I ordered and the materials manifest on the package clearly states the materials were not what I ordered. I repeatedly tried to contact the store to a obtain a return authorization and return address to return the clothing for a full refund, but the store did not respond or provide an address to return the clothing. I received a letter from Chase on XX/XX/XXXX stating the charges were valid because the store did not receive the clothing I attempted to return. I reopened the case with Chase and informed Chase that I had attempted to return the clothing to the store but was unsuccessful in getting a response from the store and that is why I still had the clothing via writing and a telephone conversation. On XX/XX/XXXX I received another letter from Chase stating the charges were valid due to the amount of time that has passed. I believe Chase has made mistakes in handling this dispute. The merchandise I received was not what I ordered. Chase incorrectly assumed I had and was able to return the merchandise, but the merchant did not answer their phone or emails in order to provide me with a return shipping address and I had informed them of this problem before they made their determination. 

The merchant has not provided to Chase any documentation that states the quality of the clothing. The merchant provided documentation on the box of the sent clothing to me that is different than they described to me at time of purchase ( attachment XXXX ). The merchant has provided sales drafts that are completely different than the ones they provided me ( attachments XXXX and XXXX ). The sales drafts the merchant provided me do not state that the clothing is non-refundable nor do they contain my signature, nor are the signatures on the sales drafts provided to Chase by the merchant my signature indicating fraud by the merchant. I believe Chase has inadequately evaluated the provided documentation I submitted and negligently investigated my dispute and therefore a billing error remains in effect.
Consumer complaint received 2015-11-16
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Caliber Home Loans, Inc. (FL)

My wife and I submitted an offer on XXXX XXXX XXXX, XXXX, FL, XXXX. We already had financing in place and submitted our pre-approval letter with our offer. However, in order for our offer to even be considered, Caliber Home Loans required that we get pre-approved through them. I was not comfortable with this as I know RESPA strictly forbids mortgage steering even if it is for pre-qualification. We cave to their request because we absolutely love the home and wanted to start our family there. 
It went to a highest and best offer scenario, which the listing agent, XXXX XXXX, contacted my agent on XXXX/XXXX/2015 around XXXX and advised her that Caliber Home Loans accepted our offer, contingent on the change of the closing date, reduce inspection period to 7 days, and they wanted us to use Caliber Home Loans financing. I was again uncomfortable with this " mortgage steering '' activity, but we love the home and did n't want to lose it. Caliber Home Loans interest rate was XXXX % while I was pre-approved at XXXX % with my already secured financing. My realtor sent listing agent a text message advising him that we accepted the changes and he replied stating he would update portals so the bank is aware. 
On XXXX/XXXX/2015 at XXXX, I received an email from XXXX XXXX at Caliber Home Loans stating, " Congratulations! I understand that you have an accepted contract on the XXXX property. I would like to schedule a time to talk with you about next steps. When will you be available to talk? " I did not hear back from XXXX after informing him I was available to speak at anytime. At approximately around XXXX, I was then informed by my realtor that there was a mix up and XXXX Caliber Home Loans representatives were working on the file and XXXX offers were simultaneously accepted and that the bank decided to accept other offer. 
Not only did we lose the home of our dreams, we have received an additional hard credit inquiry on our credit as a result of the listing agent and his client participating in the forbidden act of " mortgage steering. '' If our offer was accepted, we would have instant equity in the home in the area of {$30000.00}. 
Further, Caliber Home Loans fees seem to be relatively high and the least sophisticated consumer would not know any better.
Consumer complaint received 2022-02-27
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. (AL)

On XX/XX/XXXX, XXXX XX/XX/2022, I've sent in a dispute for the following companies through certified mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Due to the 15 U.S. Code 1681g - Disclosures to consumers, they did not provide an updated credit report nor respond within 30 days.
Consumer complaint received 2022-02-27
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. (AL)

On XX/XX/XXXX, XXXX XX/XX/2022, I've sent in a dispute for the following companies through certified mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Due to the 15 U.S. Code 1681g - Disclosures to consumers, they did not provide an updated credit report nor respond within 30 days.
Consumer complaint received 2022-02-27
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. (AL)

On XX/XX/XXXX, XXXX XX/XX/2022, I've sent in a dispute for the following companies through certified mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Due to the 15 U.S. Code 1681g - Disclosures to consumers, they did not provide an updated credit report nor respond within 30 days.
Consumer complaint received 2022-02-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thomas George Associates, Ltd. (TX)

The accident happen on XX/XX/XXXX. Advised ( XXXX XXXX XXXX XXXX dba XXXX XXXX ) that, I have full covered and provided insurance information to adjuster at ( XXXX ) and then I received a letter on XX/XX/XXXX from XXXX and provided information again. On XXXX XXXX received a letter from XXXX XXXX XXXX XXXX. However, XXXX didn't contact XXXX for payment for the accident prior to contacting me. Under California everyone that owns a car have to obtain liability insurance coverage to drive on the roads and streets. Both companies have fail to get in contact with XXXX. 

Also, this debt is dispute and served as notice for dispute. Lastly, please stop harassing and threatening me. Cease and Desist notice unless it's regards to XXXX make payment. Once, payment is made you can send me a notice it was Paid in Full. 


XXXX XXXX
Consumer complaint received 2015-12-17
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY (CT)

Dear CFPB : My husband and I applied for a refinance with TD Bank, where we have our accounts, of our XXXX XXXX XXXX home loan for our house XXXX from a 30-year mortgage to a 15-year loan. We submitted all the forms to TD. The first issue that was problematic was that the loan officer, XXXX XXXX, repeatedly filled out inaccurate information on our loan documents including inaccurate salary information and insurance and tax rates, and was very difficult to reach to correct the problems. While we were working to get her to correct the information, TD Bank sent us a letter that our application was denied because the bank 's appraisal of our home came in much lower than was necessary to approve the loan based on equity in the house. The appraisal was much lower than market price, lower than the town appraised our home at for tax purposes, as well much lower than an appraisal that was conducted six months earlier. Nevertheless, because the bank denied our refinance application to a 15-year loan as submitted and it would cost us additional money to contest the bank 's appraisal and request another XXXX, we requested the refund of the fees we had paid for our original request because it was denied by the bank. There is absolutely nothing in the TD loan document paperwork we signed that said these fees were nonrefundable. ( There was a special notice to XXXX residents but not to XXXX or homeowners in other states. ) In fact, bank representatives assured us our fees would be refunded if we had gotten all the information to the bank in a timely manner -- which were did -- but the bank denied the loan and that if we were n't denied, we 'd be able to receive a {$700.00} closing credit because we had submitted all our paperwork in a timely manner. Instead we are stuck with a {$600.00} charge on our credit card by the bank. By not disclosing that these fees for the appraisal report and credit report were nonrefundable -- no matter whether the bank approved the loan or not -- the bank is engaging in false and deceptive advertising of its refinance loan products and services. We request CFPB contact TD Bank to have our fees returned but also to correct this deceptive marketing issue for all other customers as well.