davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Several mistakes occurred at the end of XXXX and XXXX in which the lender/servicer admitted fault and submitted requests to credit bureaus, including Trans Union , to reverse their reporting as it was a mistake. On XX/XX/XXXX I submitted a dispute with Trans Union to dispute the inaccurate reporting. I had also submitted a dispute with CFPB on XX/XX/XXXX where XXXX Mortgage 's XXXX of Customer service XXXX responded that corrections would be made within 1-3 business days with bureaus and to refer to the correction code AUD # XXXX. I attempted to log into the Trans Union account XX/XX/XXXX as I received a message that there was a dispute result and I was shown an error code XXXX Access Denied per the message after I clicked log in. I had thought this was partially cleared as XXXX XXXX reports my points being added back and no delinquency with XXXX Mortgage. On XX/XX/XXXX I went to take out a personal loan for some home projects at a local credit union who reported that my credit was XXXX. It appears Trans Union has not fixed my credit report despite the request from XXXX Mortgage. I called XXXX Mortgage who reported that I must dispute again this Trans Union as they have already reversed the credit reporting. I was never delinquent with XXXX Mortgage. I urge Trans Union to do the right thing and correctly report my credit report.
Consumer complaint received 2019-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2019 I attempted to pay my mortgage at a TD Bank Branch. The mortgage payment coupon/slip clearly states " Mortgage Payment ''. It also has a part for you to add additional principle or additional escrow and to total. I added an additional XXXX towards my principle. The transaction took quite a while and included four members of the staff including the manager. I heard them clearly state to put the amount of XXXX in the extra principle field. I received a simple receipt stating I made a " LOAN PYMT '' in the total of my normal payment plus the XXXX extra principle. 
On XX/XX/2019, my account had not been properly credited. The online account showed there was a Misc Receipt made on XX/XX/2019, and the outstanding balance of my mortgage had not reflected ANY payment since the prior month. 
I went back to the branch that day and spoke with the manager, XXXX XXXX. She was one of the employees present when I attempted my payment. While with her, she contacted her account support by phone. They said my payment was used as a pre-payment for future mortgage payments, NOT as a normal mortgage payment with an extra principle deposit. Ms. XXXX explained how the local branch put applied the payment accordingly and was told something went wrong. She was reassured the issue would be corrected that evening and the change would show the next day. This change would also reflect the payment was made on the XXXX XXXX. Ms. XXXX suggested in the future I write two checks and make separate payments to my mortgage if I want to pre-pay my principle. This is a bit odd as the mortgage coupon/slip and the banks system has a spot for me to make an extra principle deposit. I was also told by Ms. XXXX that she would follow up with my payment and contact me the next day to ensure it was done properly. I have not received any contact from TD Bank as of yet. 
As of today, XX/XX/2019, my account has NOT been updated. This costs me the daily interest accruing on the mortgage. It is very wrong for a bank to treat its customers this way. I do not blame the branch employees, as they did what they could have to make the proper payment. Requiring me to write separate checks to make extra principle payments should not happen.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2022-04-30
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. (MD)

In Accordance with the fair credit Reporting act XXXX account # 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 2 It also state a consumer Reporting agency can not furnish account account without my written instructions.
Consumer complaint received 2022-04-30
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: General Motors Financial Company, Inc. (CA)

accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an pan end consumer credit plan as late
Consumer complaint received 2021-07-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (FL)

I received a collections notice dated XX/XX/XXXX about a bill in the amount of {$500.00} from a collection service called Phoenix Financial that was serviced on XX/XX/XXXX to an address that I have never lived at XXXX in a round-a-bout way, their distant relatives ). I called the original creditor to figure out who and what the bill was actually for ( I have XXXX children so it could have been any one of us ). After checking each individual name through their database, the lady assisting me tells me that NONE of us have any past due or outstanding bills with them. I told her the collection service whom I received the notice from and she replied that they ( her company ) does not even use that collection service. 
So I call the collection service directly on XX/XX/XXXX at XXXX and had a 7 minute conversation with them trying and get clarification. They also can not tell me who the actual bill is for or what it is for. I ask them to send me a copy of the original bill and I'm still waiting XXXX It's now XX/XX/XXXX ). When I pulled my credit report in XXXX of XXXX, this collection wasn't even assigned until XXXX of XXXX and it wasn't on my report in XXXX of XXXX. 
I've contacted XXXX, XXXX, and XXXX  to dispute this on my account, but they all came back saying that the debt had been verified as mine. But really, how can you come after someone for a debt 5 years later, with no prior mention of it, and think that it's a legit debt??
Consumer complaint received 2022-04-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc. (AZ)

GM Financial Account number XXXX Is not possible for a original creditor to report a balance on a account that have charged off because by definition of GAAP [ General Accepted Accounting Procedure ] This Debt was be writing off to uncollectible and the Company Profit & Lost Statement of the financial reports Also they cant make a past due balance on a charge off a account either
Consumer complaint received 2021-09-14
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: Onity Group Inc. (NY)

CFPB ID XXXX-XXXX  I do not agree with the actions taken by the PHH Mortgage company to resolve my previous complaint number XXXX-XXXX. They stated in a letter sent to me on XX/XX/2021 that they would issue a Check of {$600.00} by over night delivery for the replacement of lost stock certificates. They gave me a tracking number for the check. I called XXXX  to find out about the tracking number and was told that XXXX never received that package to forward it to me. When I called the PHH Agent and told them about not receiving the check I was informed that the PHH research department would contact me. Well I got a letter from the PHH research department requesting that I provide them with information about the check, and to send them a copy of the check. Common sense in the part of the PHH research department is surely missing. I just finished telling anyone who would listen, at PHH Mortgage, that I havent received their check for {$600.00}. Please help PHH understand what this entire situation is all about. Simple solution is to nullify any check they thought they had sent and issue a new check for {$600.00}.
Consumer complaint received 2020-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Equifax did not properly investigate an account on my credit profile for XXXX XXXX, XXXX this is not my account and I have never had an account with them.
Consumer complaint received 2021-11-09
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: Mr. Cooper Group Inc. (MI)

To XXXX XXXX of Mr. COOPER and calls answered by night as Nation star and that you responded to my complaint of loan no. XXXX in an email dated XX/XX/21 at XXXX unfairly to me. First, prior to our phone discussion that I had already called your company several times and by giving my identifiers to them about my loan above. They all confirmed it was my loan but said that there were no property attached. Then I spoke to you whom promised to research and provide details from the papers I faxed to you and please share those papers with the CFPB. After you received my papers and I called everyone started saying the loan number did not exist in your system. Then you sent to me, BELOW, XXXX XXXX, This document explains that prop was purchased in another name of another through XXXX XXXX. 

I would call XXXX XXXX as we no longer have anything to do with this loan. 

Mr. XXXX you promised me to be straight and honest with me about the Fraud you now know is exactly what your looking at and trying to conceal it. I demand that you reveal all factual evidence to the CFPB so that they can deal with you.
Consumer complaint received 2021-06-22
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. (CA)

I have called and mailed all three major consumer reporting agencies about the inquiries I have discovered on my consumer report. I brought it to the attention of all three consumer reports and have not received a response. I followed up and the inquires have still not been removed. I have also tried reaching out to every one of the creditors and they are unable to find an active account, only some electronic information from XXXX of XXXX. I am highly upset with the run around that I have received because I was not trying to buy a car during the pandemic. Due to there not being an active account with any of these companies the information is not accurate and I need it removed from my consumer report immediately as the false information will hurt me when anyone wants to see if they can loan credit to me
Consumer complaint received 2021-06-22
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have called and mailed all three major consumer reporting agencies about the inquiries I have discovered on my consumer report. I brought it to the attention of all three consumer reports and have not received a response. I followed up and the inquires have still not been removed. I have also tried reaching out to every one of the creditors and they are unable to find an active account, only some electronic information from XXXXXXXX XXXX XXXXXXXX. I am highly upset with the run around that I have received because I was not trying to buy a car during the pandemic. Due to there not being an active account with any of these companies the information is not accurate and I need it removed from my consumer report immediately as the false information will hurt me when anyone wants to see if they can loan credit to me
Consumer complaint received 2021-07-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: REGIONS FINANCIAL CORPORATION ()

My name is XXXX XXXX XXXX. My account number is XXXX. This account was opened as part of the requirement for my XXXX Visa to starting a business in the USA and was opened through XXXX XXXX attorney offices based in XXXX XXXX Florida. However, due to XXXX closures and delays, my XXXX Visa is being delayed. I must immigrate to the XXXX with my husband in order to get my XXXX  interview. To do that, I must be able to access my funds. Because of this reality, I need to freely access and potentially move the funds held in my account with REGIONS bank immediately. REGIONS bank has refused to help me resolve this issue and are holding my funds without my consent as as they said I need to be in the USA, and this is not possible as the XXXX is closed. 

On XXXX XXXX date I spoke to XXXX from XXXX XXXX XXXX Branch where my account was opened who stated he can not assist me as I need to be in the branch. 
Then on XXXX XXXX date, I was told by a XXXX who is the Supervisor from Regions that he was also unable to assist me and that I need a Social Security Number which I do not have but yet REGIONS were happy to assist me with just a Tax ID No. 
Again on XXXX XXXX date, the National Manager stated they could not assist me too as I need to be in the USA. 

This shows the pattern of inconsistencies and unhelpfulness from REGIONS Bank. My personal account has also become inactive as I can not move money because I am not in the States Because of the above, I am filing complaints with REGIONS Bank and XXXX XXXX. The resolution I need is to transfer my funds internationally to the XXXX so that I may book my XXXX appointment with them
Consumer complaint received 2022-04-30
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. (TX)

The Credit bureaus stated my account was properly investigation but how is dat possible if the open date inaccurate, months of term, and date last reported is not accurate also last date active, date of last payment credit limit, high credit. This ground for removal they also violated my right under 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A. It also stated a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX I have in hand a copy of my credti report and highlighted all the inaccureate things from all 3 credit bureaus and i found alot of inaccurate things on it. So i would like it removed from my credit report from all 3 bureaus.
Consumer complaint received 2015-10-19
Product: Prepaid card — Mobile wallet
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (AZ)

The prepaid card was redoing the system and while it was doing that, customers didnt get their direct deposits as normally scheduled. I wasnt able to speak with a customer service representative nor was I able to logon to my account. I received my deposit and used it, seemed a lot more than it should have been, I attempted to contact them and still couldnt get through to a representative. I now check had to redo my online account with a new password and when I was able to logon I see that they had depsoited my funds twice. Now, I had a payment plan on a bill that due to the deposit not hitting my water was shut off and I had to pay the full balance instead of the payment arrangement. I now see that they are trying to reverse my car payment that posted XXXX/XXXX/2015. I attempted to call 4 times right now which is my lunch break at work and it just rings and after the XXXX ring it hangs up on me. I have been a customer for over 3 years and I am not liking how things have been lately. I have been through on unauthorized transactions and taking forever to get those reversed and other things, but I cant deal with reversing my car payment. I will seach legal counsel since it seems like there are attorneys that are working on suing them due to the system being down and unable to speak with a representative nor able to access funds on dates that they are always available on. I didnt put the funds in my account twice and neither did my banking institution. I didnt use all of the funds that were in my account, due my unknowing where they came from.
Consumer complaint received 2022-04-30
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. (TX)

The Credit bureaus stated my account was properly investigation but how is dat possible if the open date inaccurate, months of term, and date last reported is not accurate also last date active, date of last payment credit limit, high credit. This ground for removal they also violated my right under 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A. It also stated a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX I have in hand a copy of my credti report and highlighted all the inaccureate things from all 3 credit bureaus and i found alot of inaccurate things on it. So i would like it removed from my credit report from all 3 bureaus.
Consumer complaint received 2022-05-01
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Applied for a credit line increase with Walmart Capitol One and I was denied based on my credit score. However, I applied in XX/XX/ 2022 and a credit score was used from XXXX of 2022. I reached out to them and I was advised that it was the score sent over from XXXX and to contact them. Upon contacting XXXX I was advised there is no activity from Walmart Capitol One. The company did not pull a credit score and denied me twice based on an old credit score, and once based on delinquencies that I do not have. Now they want me to send them proof that they did not run an inquiry on my report by sending a letter to them with a credit report attached.
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: General Information Services, Inc (AL)

My background report in my criminal history is wrong I have never been convicted  of any felony  at this time nor have I ever. And it claims i am guilty of two XXXX  in the first  and 6 pending?? GSI needs to understand the negligence on their part and understand this is someone's life they are reporting not nothing less and they hold it in their hands when we dont get a job or loose a job cause of them..
Consumer complaint received 2022-04-30
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: FIFTH THIRD FINANCIAL CORPORATION (FL)

I was shopping for a car but I wasnt sure yet. They ask for my social in order to test drive the car. I precisely say I dont my credit to be pull. I find out they did and the manager promised it will be removed ASAP. A year later ou its still there.
Consumer complaint received 2022-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/2022 I received a fraud alert message on my phone for {$2500.00}. Upon replying no to the message, I received a phone call from Capital One customer support number, which I verified before proceeding. I did not disclose any personal information on the phone call, as the rep repeatedly told me they would not ask for any. I was informed that the money had been transferred via XXXX, and as it was a third party app, the only way to retrieve my money would be to send it back to myself. I proceeded to add my cell phone number and email address to a XXXX account via my Capital One app and sent {$900.00} to my personal phone number. Once sent, I received a notice that the transfer was successful to another individual named XXXX XXXX.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I was looking over my credit report and was very frustrated to find that there were a number of inquiries being falsely reported without my consent. The bureaus did me a major disservice by putting this inquiries on my report with any kind of verification that they were true and accurate. I did not give them permission to give away my information to the companies listed on the given dates and need this fixed.
Consumer complaint received 2021-11-30
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CONTRACT RESOLVE GROUP LLC (NJ)

On Wednesday XX/XX/2021 XXXX XXXX of Contract Resolve Group, LLC called to collect a debt. When we asked for verification of the debt he said he would send verification by sending a personal agreement letter. The letter they sent was fraudulent and not signed in person or via email by me or my wife. They proceeded call us XXXX, threatened to go to the IRS, take us to court and call us other names via email. All while sending these emails and having communication with our daughter. She is has nothing to do with this matter and she is being harassed via email by XXXX XXXX and verbal assaulted by XXXX XXXX. XXXX XXXX told her he was " going to come get her XXXX and XXXX '' that he was " going to send people to NJ for them '' and said he had XXXX. No formal police were contacted. We have not yet sent a cease and desist letter but we will to day.