davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

This is a second dispute concerning issues of addresses that are not mines. I have had my personal ID and SS # compromised. The listed address were used for fraudulent activities and I do not wish to have my name associated with the following addresses:XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX. I do not live at these addresses my personal information has been sent to these address because they are on file in your database and it is not correct. It maybe some relative or family member.
Consumer complaint received 2022-10-01
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. (NC)

I have reached out to each reporting agency for a resolution but was not able to achieve one. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name and number. 
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 15 U.S.C 1681 section 602 A States I have the right to Privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer repot containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AZ)

Yes i had accounts with paypal and XXXX a sub company of Paypal .. well a lil over a year ago on XX/XX/XXXX on my XXXX account i received a payment transfer of XXXX dollars then XXXX and finally another XXXX dollars bringing my balance to XXXX dollars .. so at that point i tried transfering it to my bank account like normal .. i received my confirmation for both transfers and was even provided a date for when my funds would be available in my external account .. well a day after i made the two transfers i tried logging in to find my account had been frozen i immediately call XXXX support to find out what's going on. Theb only answer I'm givin is an account specialist will be in contact a week later i receive an email stating my account will remain closed and they have no further information .. i continue to call for months but to receive the same answer.. a year later i get an email stating i can log on to my account but to only transfer my funds to my bank .. however upon logging in i still see the initiated transfer i made but then see a notifaction that says paid to XXXX before account closing .. and yet there was XXXX dollars in my about from the same balance .. when i ask there support what happened to the XXXX remaining from that Balance they say it was sent back to my balance yet there's no transaction no record no proof only a notifaction saying they took my money and paid themselfs with it. And now paypal had done the same thing closed my account for receiving a. XXXX cent payment denying me access to the funds from my account yet continue to take my money and the reason im giving threw email shows i tried to make transfer to my bank account that faild. So under no circumstances would that give them any rights to take it yet they've done so twice and more continues to come out of my balance as time go one
Consumer complaint received 2020-01-28
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)

XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-04-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (DE)

I have been trying to get a loan modification but Wells Fargo hasnotgiven me a loan modification instead they have advised me by letter they were going to raise my mothly payment for escrow from the original {$1500.00} per month by {$100.00} & due to being in default because of lost of job trying to find a new one paying anywhere near what i was making after months of calling them for last 2 years ion which it took that long for me to hear from them they claimed they were giving me a modification the amount came back to the same amount i originally paid before the escrow was added i was told by their representative that i did not take it they could decide to not give me a modification at all worthy could increase it altogether i have filed for bankruptcy but has been dismissed now they have tacked on astronomical fees for an attorney in which they have not done anything to try to help me get back n my feet i have now been making payments monthly for they amount they have requested on time but can not get them to make a reasonable offer to help me get caught up by putting this amount on the backend of the loan i went to make payment on time recently XX/XX/19 they refused my payment for the monthly mortgage what i have been reading about is wells fargo has happened to me also with any of their banking representatives trying to help me instead of intimidate me into situation if i do not agree that my taxes & bank statements show clearly nit making same amount each month
Consumer complaint received 2019-04-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: ALLY FINANCIAL INC. (CA)

Ally Bank 's fraud department is unable to prevent fraud for real-time XXXX transactions, they are lying to customers about XXXX Real-time payments and are not explaining how to use the XXXX network properly. XXXX advertises real-time money transfers but Ally Bank is not able to comply with the XXXX rules. Customers are being misled about the capabilities of XXXX money transfers and the customer service department lies about the XXXX network rules to try to stop customers from using XXXX. They claimed XXXX transactions are not real-time to the customer, which is against the XXXX network rules. XXXX rules say the Bank has a few minutes to process the transaction.
Consumer complaint received 2019-04-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: International Computer Systems, Inc. (GA)

XXXX telephone company over charge me I told them I didn't want the internet service anymore and to come at there equipment I had unlimited data and they charge me XXXX dollars for one month they sold the account to a collection agency called XXXX XXXX XXXX I tried to explain and they want the same amount I don't owe them nothing we never had a sign contract so they report it to my credit I never received a letter say that they have sent it to collection agency
Consumer complaint received 2019-04-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I successfully applied to refinance my spouse 's vehicle with Captial One. The company specified that I should continue to make payments with the previous lender as they process the pay off amount with them. The agreement also specified that the payoff amount may change depending on certain factors. We completed our last payment of {$300.00} with the previous company and Capital One provided them with a check for the pay off amount of {$7900.00} according to our statement records. 

Currently our balance with Capital One is {$8200.00}. It seems our last payment with the previous lender was NOT applied to the loan. 

I have contacted Capital One and the representative tried to tell me we should be receiving a refund from the previous lender. However, the previous lender says this is not the case.
Consumer complaint received 2019-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/19 on a Saturday afternoon. I went on a mission to buy a bed frame but when I realized I wasn't given what I wanted I returned it the same day. The lady who was there told me no she wouldn't do it because her card machine was broken but was so quick to take my money. So I called my bank to dispute it after I looked online on how to do it. I read over what my options were and put it as a dispute of fraud. My bank said that is my fault if I can't get a hold of the store owner. I have written a letter t the store because there are limited options to get a hold of the owner. I feel as no one is taking me seriously because I am an adult. Even my own bank won't help but instead sending letters back to back saying I must pay this now. When I WENT SPOKE TO SOMEONE FOR ADVICE JUST FOR NAVY FEDERAL TO SAY NO WE CAN'T DO ANYTHING FOR YOU.
Consumer complaint received 2019-04-14
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. (GA)

I have filed a dispute twice within the last 8 months for an account I have paid. I give Equifax the time to check into the dispute. I will get a response sent to my personal email that the dispute ( XXXX ) has been completed. I click on the link to check the status of the dispute and their system always comes back with an " unable to utilize system or system down '' no matter what time of day or even the days that I try and check. This has been going on since receiving the notice XX/XX/2019. The notice states the I only have 30 days to check per the link. 
This is the second such type dispute and I really get nowhere. I get tired of seeing that the dispute has been completed but can not get no type of answer or see what actually has be investigated against my dispute. I just really am tired of such a larger Credit reporting bureau having such power over me as a consumer trying to utilize their " Sorry '' service.
Consumer complaint received 2019-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (SC)

Synchrony Bank Made every monthly payment Paying off before one year when the promotion was 2 years Started in XX/XX/2018 Charged me 9 late payment charges totalling XXXX My account should be paid in full They keep you on hold And then hang up I cant believe this is legal Please advise how I should proceed Thank you very much
Consumer complaint received 2022-11-30
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. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since XXXXm a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; If the credit bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-11-30
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. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; If the credit bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Subject : Removal of XXXX Account Number XXXX from Credit Report Dear CFPB, I am writing to request the immediate removal of the account number XXXX from my credit report. Despite repeated attempts to address this matter, the account remains unjustly listed, and I believe it is in violation of the Truth in Lending Act ( TILA ). 

The TILA mandates that consumers receive full disclosure of all terms and conditions when entering into credit transactions. However, in this case, full disclosure was never provided to me. As per TILA regulations, creditors can be held strictly liable for any violations, regardless of intent. Therefore, I am within my rights to rescind the loan and request the removal of this account from my credit report. Full disclosure includes making me aware that Im the one who extended them credit. Failure to do so constitutes a breach of contract. Hence, I urge you to remove this account from my credit report promptly.

Moreover, it is my understanding that every contract signed is considered a security, and funds should be deposited and transferred into my Treasury Direct Account ( TDA ). 

Furthermore, I wish to emphasize that contracts must be entered into between two living individuals, and full disclosure must be provided. Since these criteria were not met, I am requesting the voidance of the contract and the subsequent removal of the account from my credit report.

If the account is not removed within the next seven business days, I will be compelled to escalate this matter further. I will seek your indenture trustee and trustee information to facilitate the transfer of my past due securities and monthly securities to my TDA account.

I trust that you will address this matter with the urgency it warrants. Thank you for your prompt attention to this request.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Fifth Third Bank erroneously allowed a forced charge on a XXXX bill. XXXX erred by not converting my rental charge to monthly, instead opting to daily charges, which resulted in an overcharge/ force charge to my Fifth Third credit card. Fifth Third erroneously reported this balance owed to XXXX. Fifth Third also attempted to debit nearly XXXX XXXX dollars from my checking account, which was blocked and reversed by XXXX XXXX. Fifth Third also failed to apply for payments from a secondary third credit card I had paid off to the Fifth Third credit card account in question ending in XXXX. Fifth Third instead sent multiple refund checks to me for the overpayment of the credit card I had paid off. Fifth Third utilized their oversees collection agency to make numerous harassing calls to me despite me making payments to my credit card account in question, failed to provide me with statements for at least the last year, provided invoices and balances due for dates that were separate dates demanded by their emails ( The Fifth Third statements were demanding that payments be forwarded on the XXXX day of each month while Fifth Third emails demanded payments to be made on the XXXX of each month, and Fifth Third failed to thoroughly and professionally investigate my complaints regarding this disparity.
Consumer complaint received 2019-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Want to know why account still shows on my credit. Credit card was closed do to late payment but i payed off the total amount due and its still showing of on my credit score. They continue to send me bank statements when account is closed all ready.
Consumer complaint received 2023-07-05
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. (NV)

In accordance with the Fair Credit Reporting Act. The list if accounts below has violated my federally protected. consumer rights to privacy and confidentiality under 15 USC1681. 

Account Name : XXXX XXXX XXXX XXXX Account 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  : Has violated my rights ; 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U ; S ; C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 U ; S ; C 1681c, ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U, S, C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-02-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CO)

This is a continuation of previous claim. This is with regard to a HELOC that was granted to us on XX/XX/XXXX thru XXXX XXXX XXXX XXXX With your help I have been able to follow which companies have been involved inthe financing process of this loan. After XXXX XXXX granted this loan, it was turned over to HSBC. They serviced this loan from XX/XX/XXXX until XX/XX/XXXX, according to HSBC. However, from XX/XX/XXXX until XX/XX/XXXX, for four years, there was no correspondence from anyone with regard to payments being made or nt being made.. From some of the research that I have done, XXXX was involved in the serivcing of this loan. I was never notified by XXXX of any involvement in the collection of payments on this loan prior to being turned over to XXXX. No introduction to this company, no statements, no where to sent payments, on payment history, no record keeping furnished to me, no correspondence at all.
Consumer complaint received 2024-03-01
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. (OH)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (GA)

To Whom It May Concern, It has been brought to my attention that refinancing, consolidation or restructuring of a consumer credit transaction the creditor shall promptly refund any unearned portion of the interest charge to the consumer. The creditor shall compute the refund based on the method which is at least as favorable to the consumer and by law it is the actuarial method. The actuarial method allocating payments made on a debt between the amount financed and the finance charge pursuant to which a payment is applied first to the accumulated finance charge and any remainder is subtracted from, or any deficiency is added to, the unpaid balance of the amount financed. Upon receiving this written request, before the end of the XXXX day period beginning on the date you received from the consumer this written request, the creditor or assignee shall provide me the disclosure of the amount due on any precomputed consumer credit account. Please provide me the statement of the amount necessary to prepay the account in full. I am aware that the amount you will disclosed includes an amount which is required to be refunded with respect to such prepayment, the amount of such refund. I am aware that the written statement is required considering that I am have made this request in writing. It is noted that I, the consumer, shall be entitled to XXXX free annual statement each year without charge.