davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am a victim of identity theft. My personal information was used to obtain credit and loans without my knowledge or consent, including an account with XXXX XXXX. I recently learned that XXXX XXXX reported a fraudulent account as delinquent/charge-off of my Transunion credit report ; however, I was informed that the account was sold to XXXX XXXX and that XXXX XXXX is reporting the account to Transunion. I have been unsuccessful in my attempts to speak to anyone at XXXX XXXX and they continue to report this fraudulent account on my report.
Consumer complaint received 2022-08-09
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: EQUIFAX, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX NAMES : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX NAMES : XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXXXXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX EMPLOYERS : XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTIONS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-09-08
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: ROYAL UNITED MORTGAGE LLC (TX)

I applied online for a HARP loan and received a phone call from ( RUM ) Royal United Mortgage. 
After verifying my credit score, mortgage payment history, and income, XXXX XXXX XXXX informed me that Royal United Mortgage would finance my mortgage which is at 6.99 % to 4.3 % in less than 30 days. I was told that certain debits would be paid with the cash advance, and I would not need to make a mortgage payment until XXXX, 2015. After electronically signing what I thought was my loan agreement, I was told I needed to pay $ # {$390.00} for an appraisal. After the payment of the appraisal cleared my bank Royal united Mortgage stated they could not do the loan. I DONOT believe RUM had any plans of refinancing my mortgage. I searched on line for complaints against this company and found many, many other consumers complaining about being denied after paying for an appraisal. I sent an email requesting a RUM return my {$390.00} and that I was filing FRAUD against them with my bank. 
How can this company prey on consumers like this. I am a retired senior and {$390.00} is a lot of money for me. 
XXXX XXXX
Consumer complaint received 2022-08-09
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Wolf River Development Company (MS)

In XX/XX/2022 I went online and apply for a payday loan and the young lady say to call her for approval so I call her and she stated that you are approved for {$1000.00} and told me how much my monthly payments are going to be which is XXXX but she never told me how many months it would be nor did I sign any documents after four months I received a balance statement saying to pay off is XXXX dollars whuch I think is too much
Consumer complaint received 2015-09-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

I refinanced my home with 5th/3rd Bank. The mortgage was to include escrow and taxes. After the loan closed I attempted to cancel my automatic withdrawal for my homeowner 's insurance. I was advised a balance of {$970.00} remained and would continue to be deducted monthly through XXXX. The bank 's explanation is that they did not receive the full attachment sent by my insurance agent indicating a balance remained. The agent has proven to me that he sent the full attachment and that 5th/3rd Bank did not contact them when they received only XXXX page, therefore my XXXX statement was inaccurate as it did not address the remaining balance owed for my homeowner 's coverage. 
I believed, in good faith, that they had collected the correct information and that the disclosed escrow amount took into consideration my current balance. 5th/3rd is at fault for not determining the balance due on my homeowner 's insurance. When I asked them to rectify this after the loan closed they would not recalculate the escrow to make it correct. Thus, for the next 6 months I will be paying an additional {$160.00} per month for insurance. This was not the deal I made with 5th/3rd and poses a financial hardship for me. Through no fault of mine, I will be financially strapped to make this additional payment through XXXX.
Consumer complaint received 2015-09-08
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (MD)

I held an American Express Gold Card number *************** for over XXXX years, from XXXX through on or about XXXX. The card was suspended for late payment in XXXX due to personal financial issues. I entered into a payoff agreement with American Express in XXXX. AE agreed to restore " gold card member privileges '' once the delinquent balance was paid. The account was paid in full in. But AE did not restore the gold card account as agreed but instead activated an XXXX account **************** with a limit of {$800.00}, not the unrestricted limit accorded to gold card members. I applied again for an AE gold card in XXXX and was declined. I was told that I had outstanding balance on an expired corporate card accounted dating back to XXXX. The card was issued to XXXX XXXX which declared Chapter XXXX bankruptcy in XXXX, XXXX. As a creditor, AE was notified and invited to submit final claim to the company as a creditor. AE did not do so and the bankruptcy proceedings were converted to Chapter XXXX a year later without any claim submitted by AE. AE failed to submit any claim which would have absolved me of any personal liability. Almost XXXX years later, AE is still claiming that thousands of dollars are owed to them and using a XXXX year old debt to determine my credit worthiness. ( With a FICO score of nearly XXXX and debt percentage of less than XXXX percent I have excellent credit. ). Maryland state law, Statute XXXX, limitation is XXXX years. AE has failed to actively collect on a debt of nearly XXXX years and has failed to honor agreement to restore my account after payment was made in full on an agreed account balance. I am petitioning AE to dispense with the XXXX year old debt and issue a new account as agreed.
Consumer complaint received 2017-02-15
Product: Credit card — 
Issue: Overlimit fee — 
Company: AMERICAN EXPRESS COMPANY (WI)

American Express is XXXX of several credit cards that I pay automatically from my XXXX Bill Pay account. Bills are received automatically and paid on the due date. I have received XXXX bills today, both were due on the XXXX of the month. Per XXXX, the XXXX payment was delivered on the XXXX and the XXXX payment was delivered on the XXXX. In both cases, the payment was posted on the XXXX and a late fee applied. I contacted American Express and they insisted the payment was received on the XXXX. They did agree to correct XXXX of the late charges but no the other.
Consumer complaint received 2019-02-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

I received a letter on XX/XX/2019 from XXXX XXXX XXXX for the balance of {$660.00}. The letter explicitly said if i wasn't able to make a full payment, they could set up a payment plan. I opted for the payment plan, but when i was transferred to the collections department, I was told I couldn't use a payment plan, even after the written letter stated I could. XXXX XXXX threatened to sell the account to collections if I didnt remit the full balance, even though I told them I could not make a full payment and could only do the payment plan. XXXX XXXX XXXX sold the account to Lanier Collections violating the Fair Credit Dept Reporting Act, which gives me notice to dispute and decide on how to pay the debt.
Consumer complaint received 2016-04-05
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (VA)

On XXXX/XXXX/16 I noticed charges to my account that were not mine. I promptly contacted Amex XXXX to file the dispute. Amex XXXX determined that the charges were authorized. However, I never made the charges and Amex never notified me of the suspicious charges totaling {$1100.00} all in a matter of hours. When I requested the documentation to show why they made their decision they refused to send me the documents or let me talk to someone who made the decision. After I filed my dispute Amex XXXX then terminated my card and said I violated the user agreement. When I asked what I did they could n't tell me. I have filed a police report and sought the advice of an attorney and he told me to make a complaint here. The money that was on the Amex serve card is my direct deposit money for my financial aid. Now I 'm out the money I borrowed which I will have to pay back and I can not use the money for its intended purpose my education. I have contacted Amex XXXX numerous times and get the run around. I asked them to reopen the investigation and they tell me no. I ask them to contact the business that the purchases were made at and they say no. I contacted via email the business myself explaining the charges were fraud and have not heard from them.
Consumer complaint received 2016-03-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XXXX XXXX, 2015, I went to the Fifth Third Bank in XXXX, IL and closed out my account in person. I was assured that the account was closed. XXXX XXXX re-opened this account after unauthorized and/or fraudulent charges attempted to come through. They did not pay anything, but proceeded to charge upwards of XXXX NSF charges. They never contacted me by phone or mail to let me know the account was re-opened. They simply sent me to a collection agency. In addition, no statements were provided or overdraft letters. Finally, my contractual obligation with the bank ceased when I ended my relationship with them. Finally, how can a bank charge over XXXX NSF fees when they were not out any money??
Consumer complaint received 2021-06-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$2900.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2019-05-28
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: EQUIFAX, INC. (FL)

I reviewed a copy of my Equifax Credit Report on XX/XX/XXXX and I noticed unauthorized inquiries still remain and have been made by the following companies : XXXX XX/XX/XXXX - XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX | CBNA XX/XX/XXXX - PO Box XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX | XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX | XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX | XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX | XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX | XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX | XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX I contacted the above mentioned creditors and asked them to remove their credit inquiry from my credit profile on several occasions however, all of the inquires have not been removed. Im request that you remove these inquiries on my credit report and send me an updated copy of my credit report. I'd like the credit bureau to please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation if the above credit inquiries are not removed. 
Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-08-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I fell into a common art scam An email was sent to me, interested in my art, client wishes to purchase a framed painting for XXXX USD Client sent a check directly to me, saying that he needs to be discreet, send XXXX USD check instead of XXXX, once inquired he says that an agent needs to pick it up and deliver for XXXX USD Foolishly sent XXXX USD to XXXX after being rushed by the agent The check XXXX  USD bounced out of the bank account Robbed of XXXX USD XXXX XXXX XXXX turns out I fell into a common scam
Consumer complaint received 2019-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AFNI INC. (OK)

afni renewed a collection from XX/XX/XXXX that had fallen off of my credit report in XX/XX/XXXX, but somehow through them it magically reappeared in XX/XX/XXXX. I contacted them to remove it but they refused to remove it from my credit report and I am very upset
Consumer complaint received 2015-08-21
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (NE)

I had went under contract to buy a house. The sellers didnt inform the listing agent of liens on the house. So after 3 and half months of being under contract a company named " ocwen '' came in from no where and swooped up the house and auctioned it off. We gave them everything they needed to call off the sale. They didnt and we lost over a thousand dollars we put into this house. My loan was approved, the house was appraised, inspections had been done and a bunch of repairs had been made. They sold the house for XXXX less than they were getting from me. Im so frustrated. So is all the realtors and my lender. What should i do?
Consumer complaint received 2015-07-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: State Collection Service, Inc. (OH)

This medical bill was paid to another collector and Ohio XXXX has been unable to provide an accurate statement that it is a valid charge. I told State Collector to return the collection to Ohio XXXX and they have not sent the disputed charge back to Ohio XXXX. It is not a valid collection and should be removed from my credit immediately.
Consumer complaint received 2022-02-16
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. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update and remove the negative status in this account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} Please remove the following accounts completely from my Credit Reports : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Consumer complaint received 2019-02-27
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. (CO)

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on student loans with the XXXX XXXX and XXXX XXXX  XXXX - account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; that have a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2019-02-27
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Immediate Credit Recovery (CO)

Immediate credit recovery which is contracted through department of education is attempting to collect debts of the wrong amount. A garnishment was sent to my employer with a specified amount to be garnished. After reviewing the final payoff letter mailed it appears that Immediate credit recovery is reporting incorrectly the amount paid. I had a garnishment in the amount of XXXX sent to my employer. I have since paid XXXX. This would leave a balance of XXXX. Immediate credit recovery continue to report that a current owed amount as XXXX. The website XXXX shows a current total debt balance of XXXX. When speak with immediate credit recovery they stated that balance is not correct. At no point on garnishment paperwork did immediate credit recovery state the balance may change based on interest. No disclosures of interest or balance adjustments for collection fees, ect. This should all be detailed for the employers and for the employees whos wages are being garnished. I wish for an update for requirements of these agencies to disclose balance and debt amount changes due from collection fees and/or interest. Instead of falsely reporting a set amount and making it extremely difficult to find out the correct balance or access correct payment information.
Consumer complaint received 2017-02-03
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (KY)

I purchased a mobile home and was charged a very high interest rate they said if I made all the payments on time in 6 months I could refinance at a much lower rate They lied I made all my payments on time my credit score went up over XXXX points but they wont even talk to me a year later
Consumer complaint received 2015-05-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (WY)

Started a loan with US BANK HOME MORTGAGE XX/XX/2015.  Bank requested multiple unusual information and documents (I provided everything they requested) but when I requested supervisor information to verify the requests (fishing for information not regarding the loan or people not on the loan) No information provided from the loan processor and odd requests continued to be emailed.   Other issue was the home appraisal required water to be turned on,  we were advised by the seller that it will be the buyers responsibility (me) to turn on the water.  US BANK already advised if the water isnt on they will do a XXXX appraisal and charge us duplicate times so I requested and my realtor requested to be notified once the appraisal is scheduled so we can be there to turn on the water.   US BANK did not notify us so we could turn on the water.   Once I requested the loan to be closed (XX/XX/XXXX) due to their poor business practices, fishing for information, no communication on the appraisal and saying they will just charge multiple times  I started to get scam phone calls. (my # is on DNS and I had not signed up for ANY scam calls) Requested my loan to be closed again by a supervisor and my information to be securely destroyed and fees be refunded they now are issuing MORE charges on my card 24 days later that are not authorized.
Consumer complaint received 2016-03-31
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company (TX)

We started to refinance our house ( s ) in Hawaii with Freedom Mortgage through a private broker in XXXX of XXXX. We finally signed on XXXX/XXXX/XXXX and Freedom Mortgage has still not paid off our loan or our other bundled pay offs with no communication as to why it was not paid. This has not only cost us money because some payments have now been double paid to not be late but extreme grief and hardship on my husband and myself. This process was to lower our payments and help us to make one monthly payment that was lower that the others. This company should be held accountable for their actions and the hardship they have caused to my family. We have an excellent credit rating, and have NEVER missed any payments to anyone.