davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-07
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: Experian Information Solutions Inc. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-12
Product: Credit 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: SYNCHRONY FINANCIAL (NY)

I was charged by XXXX, XXXX in the amount of {$700.00} for laser hair removal. XXXX, the specialist, charged me for a future service that was not rendered to me. I traveled overseas and XXXX was aware of this. Upon my return I learned that the business had shut down and so my laser sessions were never honored. I am now responsible for a charge by the credit card company CareCredit, even though I provided evidence that the business shut down without rendering the services to me. I have been unable to reach XXXX and am now responsible for charges and interests associated with this transaction. I feel that it is unfair to be charged for a service that was never rendered to me.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NH)

Experian Credit Report shows XXXX XXXX  Charge off of {$1400.00}. written off when I have the Title from the Paid Account, automobile and today the Company reports paid in full. From XX/XX/XXXX, reported XX/XX/XXXX.
Consumer complaint received 2020-03-26
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. (PA)

I was looking at my credit report on XX/XX/XXXX where I had noticed inaccurate Information. They are saying a XXXX  XXXX I had made a hard pull with on XX/XX/XXXX. This Is totally Inaccurate and fraud. I never signed anything and this was never authorized by me. I do have an account with XXXX  XXXX but this situation is fraud.
Consumer complaint received 2017-08-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NC)

This loan was provided by college, as XXXX XXXX, then it ended up being Navient Loan. For the last two years I have set up several times payments that I ca n't really pay but struggle to make payments. Each time we pay for a period they call and want to increase the payment. I ca n't pay what I 'm paying and I explain how do they expect me to increase the payments. I have several other loans to pay and is having a hard time paying my rent, my car note and other bills. The more I pay on this loan the more it grows. I need help. They call constantly from XXXX XXXX to XXXX XXXX. Saturday through Sunday. The last call I got was on Wednesday, XX/XX/XXXX. It 's to the point that I 'm afraid to answer the phone.
Consumer complaint received 2022-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/XXXX Wells Fargo was notified that the property taxes due weren't paid so the lender went and made a payment in the amount of {$1400.00}. In addition I also made a payment to the XXXX of XXXX, MA for the taxes due. The City stated that the extra payment made will just be applied for the tax payment due in XXXX. In or around XX/XX/XXXX I called servicing to request a final payoff in which I wired the amount that they quoted me. During my call I never told Wells Fargo to stop the automatic payment for the {$1000.00} that was coming out of my bank account bi-weekly. The automatic payments should of continued until the account was paid off in full. It wasn't until I heard back from Wells Fargo on XX/XX/XXXX that the payoff amount I wired in wasn't enough to pay the account in full although the amount I sent is exactly what they quoted me over the phone. In the month of XXXX, XXXX and XXXX, XXXX Wells Fargo reported me late with the credit bureaus. I first took out this mortgage loan in XXXX of XXXX and wasn't late with a single payment. It wasn't until Wells Fargo quoted me the wrong payoff amount and didn't inform me that my autopay was stopped that caused me to be in this situation. These 2 errors made by Wells Fargo led me to be late on my payments and they never took accountability for this.
Consumer complaint received 2021-04-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Mr. Cooper Group Inc. (GA)

On XX/XX/XXXX Mr.Cooper deducted 3 mortgage payments from my checking account that was not authorized. Caused my account to become negative and caused undue harm to myself and family as that was all the money we had.
Consumer complaint received 2022-04-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

In XXXX of last year was when the 1st problem started where on my credit report through trans Union and through XXXX XXXX decreased by XXXX  plus points when only positive things occurred on my credit report meaning accounts were removed and balances decreased no interest was gained on any debt no payments were missed yet the my score dropped by XXXX points. Again in XXXX of this year my score as well with TransUnion and XXXX XXXX decreased by XXXX  points they have since changed it on their side because I complained so now I dropped XXXX points points but again nothing changed no interest was gained on any debt that I have no payments for missed aid balance decreased and An collection account which was on my report which was not mine was finally after a year and a 1/2 proven that it was not mine and they have removed it. And my score drops XXXX points. I contact both companies they both just blame the other 1 no 1 can give me actual explanation as to why they dropped when things positive happened to my account and I need help. I have worked so hard on getting my credit back to a good level because I live in such a dangerous neighborhood I am struggling to get out of this neighborhood so I have been working on my credit since they dictate how people live their lives and now in 2 months they've taken my credit down from a good to now a poor. So I just can't understand why no one can provide me with the information that I'm asking everybody wants to just blame the other person I want to know why and I've looked at all of the models that people use for calculating our scores so I know that it noh that a no model is there a situation where my credit score should drop in this type of situation I wasn't even looking for it to increase I would have been happy with it staying the same back starting in XXXX because that way I know that I would be on the right track but every time I do something positive my scored drops so what am I supposed to do Also now when I try to contact the company 's TransUnion won't even let me get through their automated system to get me on the phone to talk to somebody and XXXX XXXX now is playing this game where they can't respond to my emails saying that I'm not emailing them from the account that is listed with them and that's completely
Consumer complaint received 2024-05-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WorldRemit Corp. (TX)

World Remit Corp. ( XXXX  XXXX ) is right back it. They claim that regulations require them to ask me for 3 months of bank statements and other personal information. In XX/XX/year> I asked the representative if they can supply me with the exact law or regulation so I can read it myself to ensure they are within the law asking me for information and to make sure I fully comply with their request with as minimal personal information as possible. I received no answer. I followed up again on XX/XX/XXXX to let them know I haven't received the information requested. Again, no answer. They suspended my account. On XX/XX/XXXX, I again asked for their authority and again no answer. 

I read this about XXXX : " the Consumer Financial Protection Bureau has slammed XXXX XXXX ( doing business as XXXX ) for deceiving consumers about the speed and cost of remittance transfers through its app. 
XXXX  was accused of wrongfully charging users {$1.00} XXXX in fees, limiting legal protections for consumers and failing to correct errors and provide required disclosures. A consent order filed on XX/XX/XXXX revealed that XXXX parent had agreed to pay {$1.00} XXXX in redress to customers and a {$1.00} XXXX penalty, without admitting wrongdoing. ''
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NH)

I opened an account with TD on XX/XX/XXXX. They were advertising a new account bonus of {XXXX} if you met the terms of the promotion that was then in effect. Twice I messaged TD to inquire about the bonus, which they never deposited. On XX/XX/XXXX and XX/XX/XXXX, reps from TD confirmed that I was eligible fo the bonus but told me I had to wait 140 days from account opening. On XX/XX/XXXX ( 140 days ) I messaged again, and they told me that I had been excluded from the promotion because I once had a TD account several years ago. I messaged back on XX/XX/XXXX, to remind them of the terms that were advertised when I opened the account. These terms state that the " Checking offer is not available to existing TD Bank checking Customers or prior Customers who have had a TD Bank personal checking relationship within the preceding 12 months '' ( see attached ). I did not have a TD account of TD relationship in the 12 months prior to opening this account. Now ( XX/XX/XXXX ) I have a new message from TD claiming that they didn't pay because I didn't meet their deposit requirements ( I did ). Each time I have messaged them they have moved the goal posts. It seems they will never run out of excuses for not making good on this offer. I'm very frustrated and at this point I'm out of patience.
Consumer complaint received 2021-09-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF THE WEST (CA)

I paid off my XXXX XXXX XXXX on XX/XX/XXXX in full. The DMV was notified on XX/XX/XXXX that the lien had been removed, however, I am not able to log into my online account and download past statements, I have not received a single copy of a statement, and I have not received any closing paperwork from the issuing bank.
Consumer complaint received 2021-07-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (TX)

To whom it may concern I consumer XXXX XXXX did a consumer credit transaction with Mercedes-Benz Financial Service USA LLC on XX/XX/2021 a finance charge is a sum of all charges I had to purchase insurance and also make a total of 3 payments I would like to be compensated for access damages that have been done to me
Consumer complaint received 2021-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (OR)

My servicer paid my property taxes late. Taxes were due on XX/XX/2020 in the amount of {$17000.00}, but the servicer paid the taxes on XX/XX/2020 with late fees and loss of discount in the amount of {$17000.00}. I contend that the servicer is responsible for the {$610.00} discount loss and fees. 

The servicing of my loan transferred to the new servicer Fay Servicing on XX/XX/2020. I realized on XX/XX/2020 that they had not paid the due taxes on time and contacted them that the taxes were late. 

My requests for credit of {$610.00} are being dismissed by their representatives. I call them, wait for hours on hold, get a representative in a different country who can't help me, then wait on hold longer until I get a US representative who tells me Fay Servicing isn't responsible to reimburse me that difference. US representative " XXXX '' reviewed on XX/XX/2020 reference number XXXX. This seems to be a clear violation of " timely payments '' in RESPA. 
XXXX XXXX
Consumer complaint received 2016-09-16
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Profit Services Group (GA)

I have been contacted by Profit Services Group in XXXX, Ga who advised I owe medical bills from XX/XX/2010 that has passed the statute of limitations and bills that my ex-wife were responsible for due to divorce. I have requested on several occasions to be provided proof, but only tell me the bill is mine. I asked to see the original documents from the service provider after I was informed all original paperwork was sent to Profit Services Group. Profit Services Group has failed to provide the documents and continue to threaten me with court action. 
I paid ( XXXX ) recent bills but what they are threatening now I have verbally disputed to the employee whom contacted me.
Consumer complaint received 2015-06-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Midwest Loan Services, Inc. (CA)

My mortgage LTV is currently 77 % and the mortgage service company will not remove my PMI. They have sent a new letter stating I must have a 75 % LTV. 
Last year, when the LTV was at 79.6 %, I sent a written request to remove PMI and they denied my request but did not explain what specifically disqualified my request. This was a refi but I 'm not seeing anything in the rules making it different from an original purchase. 
If the law says PMI must be removed when I reach 78 % LTV, why can the mortgage service company keep charging me this fee?
Consumer complaint received 2023-01-27
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. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-26
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. (FL)

I believe I have been a victim of identity theft. There are several credit accounts that are reporting which I have never done business with, inquired with, or had access to. They are showing as XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX XXXX, and I am having some problems with inaccurate information that has been on my report for several years. variations of my name and misspelling the correct spelling is. My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX. Please delete the following addresses : PO BOX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have never had these numbers at all please delete these cellphone numbers that do not belong to me : ( 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
Consumer complaint received 2020-08-28
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. (MO)

Transunion, XXXX, and XXXX  are reporting incorrect information on my credit reports. There aXXXX XXXX XXXX XXXXyments that's reporting unverifiable late payments of 30 days with XXXX XXXX XXXX, and XXXX XXXX which is the same company. 

Transunion shows that I opened an account in XXXX of XXXX and had one late payment in XXXX of XXXX, it was a revolving line of credit. XXXX, shows this same account with a different account number as a revolving line of credit with my XXXX payment on time, but my XXXX payment late. XXXX, is reporting this same account with the account number the same as the XXXX  report, but my XXXX payment was on time and my XXXX payment as late. The information is not consistent across the three reports for the same account. I have asked that this information be verified multiple times and have been unsuccessful to date. 

These same credit reporting agencies are reporting that I opened an account in XXXX of XXXX. On this account Transunion is reporting it as a revolving line of credit with one late payment in XX/XX/XXXX and XXXX of XXXX and one late payment in XXXX of XXXX. 
Equifax is reporting this same account with a different account number under the company name of XXXX XXXX as a revolving line with a late payment in XX/XX/XXXX and XXXX of XXXX. 
XXXX  is reporting this account with a XXXX limit ( the other account have no limit ) as a revolving credit with late payments of XX/XX/XXXX XXXX of XXXX and XXXX of XXXX and the account number is the same as the one on the XXXX  report. 

These 2 accounts are infact duplicate accounts and I have never paid late.
Consumer complaint received 2017-04-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (MI)

To Whom It May Concern, On XX/XX/2017 I learned of unauthorized charges to my PNC Bank Checking account. I immediately went into a local PNC Bank branch to report them. 
I was given a new debit card with new numbers. 
On XX/XX/2017, I emailed AND mailed a physical copy of my official request ( in letter form ) to investigate these unauthorized charges. 

The following week, temporary credit was offered by the bank. 
Also during the following week, I had to make another phone call to dispute XXXX additional unauthorized transactions in my account. The transactions involved the SAME company as those attached to the earlier unauthorized transactions. Temporary credit was offered by the bank for these as well. 

It has been 45 days since my visit to the bank and letter was mailed out. 
I want to know if the bank has broken federal law by not resolving this issue ithin 45 days.
Consumer complaint received 2022-10-07
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shellpoint Partners, LLC (NY)

This company Shellpoint Mortgage Servicing doesn't report my monthly payment on timely manner. Today is XX/XX/2022 and they still have not reported myXXXXXXXX XXXX  payment as no data on my XXXX credit report. My credit score hurts for their delay every month
Consumer complaint received 2023-01-27
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. (NY)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, has violated my rights. 

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 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.