davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC (FL)

On XX/XX/XXXX, an additional principal payment of {$440.00} that was originally paid on XX/XX/XXXX was reallocated to my escrow account. This resulted in the interest for XX/XX/XXXX being recalculated. On XX/XX/XXXX, an additional principal payment of {$440.00} that was originally paid on XX/XX/XXXX was also reallocated to escrow. These changes were made without my knowledge and without any explanation from the mortgage company. I notified the mortgage company about these items on XX/XX/XXXX and XX/XX/XXXX, the first days these transactions were visible on my account. 

It needs to be noted that my Escrow was set to be closed on XX/XX/XXXX. I requested this in XXXX due to an inability of the mortgage company to pay my home insurance premium timely and correctly, even though there were more than adequate funds and they received an invoice with more than enough time to send the premium payment. There was never a shortage of funds in my escrow account and there were no escrow advances that needed to be covered. 

When I called the mortgage company on XX/XX/XXXX and XX/XX/XXXX, I also pointed out the need to quickly address the problem due to the Escrow being closed and the funds set to be dispersed. I was assured that it would not be a problem and the issue would be corrected before escrow funds were sent to me. 

I made followup calls on XX/XX/XXXX, XX/XX/XXXX and XXXX. The issue was never corrected. I received the escrow dispersement check on XX/XX/XXXX and submitted a principal payment of {$890.00} to account for the two principal payments that were incorrectly moved to escrow earlier in the month. This payment was applied on XX/XX/XXXX. I spoke with a representative again on XXXX to re-request that the funds be re-applied to the original dates they were paid ( XXXX and XXXX ) and that interest be re-calculated based on the original payment dates. As of today it has been XXXX days since the original mistake was made and I still do not have an ETA on when this will be fixed.
Consumer complaint received 2022-10-09
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. (NY)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-02
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)

in accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

in accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-04-02
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)

in accordance with the Fair Credit Reporting act 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
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (NC)

I paid off a car loan early, to American Honda Finance ( AHF ), via an online payment ( ACH ) of {$3400.00} approximately, from my XXXX XXXX XXXX checking account on XX/XX/XXXX. Per XXXX XXXX XXXX ( BAC ), they were noticed by AHF that an online payment could not exceed {$3000.00}, so a check needed to be sent for the payoff amount. This check was sent on XX/XX/XXXX In the full amount to address and account Number given by AHF to XXXX. On XX/XX/XXXX, AHF returned the check to XXXX. AHF also sent us the car title, indicating the loan was paid in full. Then, AHF proceeded to bill us, without notice, for 2 months and late fees. We received a negative credit report from XXXX XXXX this weekend and made inquiries. We immediately paid the full balance again ( on XXXX ) via phone call with AHF, from our BAC checking account to AHF. AHF accepted the payment ( now with a larger payoff amount ), removed the late fee, and refused to remove the negative reports they sent to the credit unions without proof from BAC of the returned payment. The original XX/XX/XXXX payment receipt and reversal is reflected on the AHF account online for our account. XXXX worked with us this evening to call AHF to resolve what happened and get whatever documentation AHF needed to remove the negative credit report. AHF refused the call, saying we would need to call another number tomorrow morning for the Customer Service department. At what point does AHF or BAC become responsible for fixing our falsely reported credit gap? Also, at what point, does either Financial institution become responsible for contacting us, as both entities have our home address ( we got the title in XXXX from AHF to our home address ), our email address ( they have on file ), or our phone number? We are so very frustrated and angry about the number of calls, the bad credit score ( drop Of 125 points ), and still unresolved problem.
Consumer complaint received 2021-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The inquiries reported below are unauthorized I have made every attempt to resolve this matter with Transunion and need these inquiries removed/deleted from credit report asap! They are not mine. 

The following inquiry was not authorized. 
XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The following inquiry was not authorized. 
XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report.
Consumer complaint received 2021-02-03
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. (TX)

TransUnion has failed to investigate into my ID Theft case, and they have left unauthorized credit pulls on my account after multiple accounts of trying to remove them. Several disputes have been opened & no assistance has been provided in over 35 days. This goes against the Fair Credit Reporting Act, and I need this to be fixed as soon as possible. 

Hard Inquiries involved : XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX/XXXX XX/XX/2020 The above inquiries are unauthorized & were not made by me. All other inquiries ARE authorized by me.
Consumer complaint received 2021-02-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: D'Aquila, Contreras and Vega, A Professional Law Corporation (LA)

On XX/XX/2021 I sent DAQUILA, CONTRERAS & VEGA an Affidavit of Truth certified mail regarding misinformation reporting on my credit report. Account was paid in full but DAQUILA, CONTRERAS & VEGA still reporting negative information on my credit report.
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I contacted CFPB on XX/XX/XXXX to report that inXX/XX/XXXX, Bank of America ( BOA ) denied my request for an increase in my credit limit on my Bank of America credit card. At that time, it cited as its decision : *Utilization of your credit is too high *Current or past delinquency with one or more of your creditors *Too many consumer finance company accounts For more than a year, I have been renovating my home, so my credit utilization that BOA felt is too high is reflective of those renovations. My credit is current and well-managed. I disagree with BOA 's assessment of my credit utilization, but there appears to be little that I can do about this issue. However, I adamantly object to the remaining two reasons that BOA cited -- delinquencies and finance companies on my credit report. 

There were no delinquencies or finance companies listed on my credit report when I requested the credit increase in XXXX of XXXX. Therefore, when I submitted my complaint to CFPB in XXXX of XXXX, I specifically requested that BOA state exactly what delinquencies and finance companies it identified. 

In late XXXX of XXXX, I received a written response from a BOA representative named XXXX XXXX. Mr. XXXX regurgitated exactly what was stated in the original letter of denial that was sent to me in XXXX of XXXX. Mr. XXXX failed to satisfy my request to specifically state exactly what delinquencies and finance companies it identified. 

I faithfully review my credit file at the start of each year because I do not like surprises. I know exactly what is on my credit report. All errors or items of concern that I find are immediately reported for correction, which is why I am requesting that BOA/Mr. XXXX clearly identify by name the items that it cited as the reason for its decision. BOA is either deliberately misrepresenting the information it alleges is in my credit report or it is reviewing inaccurate information -- information that is not on the reports that I review every single year. I am attempting to get to the bottom of a problem that BOA alleges exists. Since it is making statements that I know are inaccurate, it must clarify those statements. 

I am again requesting that BOA provide me with the requested information. I will not consider this complaint closed until BOA has responded to my satisfaction. 

The CFPB reference number for my XXXX to CFPB is XXXX.
Consumer complaint received 2021-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Hello, I have tried to resolve this with the company and they were not willing to help me. These inquiries were not authorized by me and I am filing a complaint to have them removed asap. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report.
Consumer complaint received 2020-07-06
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.XXXX XXXX XXXX {$7200.00} XXXX XXXX XXXX {$10000.00} XXXX   XXXX XXXX {$5000.00} XXXX XXXX {$5500.00} XXXX XXXX XXXX {$1700.00} US DEP ED XXXX {$31000.00}
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send these letters off and spent my hard earn money. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person. I am begging for help at this point!!
Consumer complaint received 2020-01-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

MY SON, XXXX XXXX XXXX MEDICAL BILL TO XXXX XXXX XXXX WAS PAID IN FULL THROUGH INSURANCE COMPANY AND BALANCE PAID BY US, PARENTS, ON XX/XX/19 VIA CHECK. I SENT A COPY OF CHECK TO COLLECTIONS AGENCY TWICE AND TO XXXX BILLING AS WELL. STILL RECIEVING CALLS FROM COLLECTION AGENCY CMRE. I HAVE ATTEMPTED TO RESOLVE THIS WITH THEM AND EMAILED SEVERAL COPIES OF CHECK THAT WAS GIVEN TO XXXX BEFORE TURNED OVER TO CMRE. THEY DENY RECIEVING EMAILS AND REFUSE TO TALK TO ME AS MY SON IS XXXX YEARS OLD. HE IS ON OUR INSURANCE AND WE PAID BILL. NEED HELP RESOLVING THIS ISSUE!
Consumer complaint received 2020-09-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lake City Credit (TX)

Lake City Credit refused to respond to the debt validation letter received on XX/XX/XXXX ( " Lake City Credit Tracking Confirmation Letter1 '' ), so yesterday XXXX, I filed complaint number : XXXX. Today, I received documents as proof Lake City Credit is violating the Texas Usury Law ( " Lake City Response '' ) by placing an extremely high balance ( {$9000.00} ) on my credit and attempting to collect on what is consider a " zombie account '' WITHOUT validating the amount owed ( {$9000.00} ). 

On the original contract sent by Lake City Credit on XXXX 's behalf it shows a total payoff as {$5800.00} ( price for furniture= {$2500.00} + {$3300.00} total interest ). The records sent also shows a paid amount of {$2300.00} as of XX/XX/XXXX ( last payment ) leaving a balance of {$3500.00} according to the contract which is different than what is listed on page 1 of the document sent by Lake City Credit showing an amount owed of ( {$4100.00} + additional interest of $ XXXX= {$9200.00} ). 

I would like to file a formal complaint because Lake City Credit continues to : 1. Attempt to collect on an account that is MORE THAN 7 yrs old 2. Attempting to collect a debt not authorized or agreed upon 3.  Lake City Credit refused to respond to the initial debt validation letter they received on XX/XX/XXXX ( See attached confirmation of receipt ). 

I tried to resolve this dispute with XXXX directly and was told by XXXX that they do not have any information since my account was sold to Lake City Credit.
Consumer complaint received 2020-11-04
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. (CA)

i just found out that there are accounts with XXXX XXXX  and XXXX XXXX  XXXX  that do not belong to me. i have filed a ftc report to support my claim. i have never authorized these companies to run my credit or give me any loans. these loans are due to fraud. please see attached supporting documents
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WA)

Good day, After recently pulling my credit I noticed : XXXX XXXX XXXX XXXX XXXX, NC XXXX Listed as an address on my credit report, this address is fraudulent and inaccurate I have never lived at this address. I am requesting this address be removed immediately.
Consumer complaint received 2021-02-03
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. (WA)

Good day, After recently pulling my credit I noticed : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Listed as an address on my credit report, this address is fraudulent and inaccurate I have never lived at this address. I am requesting this address be removed immediately.
Consumer complaint received 2021-05-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (FL)

on XXXX i requested a validation of letter concerning the validity of this alleged debt. They failed to respond. I am aware of FCRA and FDCPA law. This agency is in violation under 15 USC 1692 G and 15 USC 1681. I am requesting the removal of this account. XXXX and XXXX already deleted this account. ONLY EQUIFAX has failed to remove.
Consumer complaint received 2021-05-04
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. (CA)

There are XXXX accounts on my credit report that are not mine I have not applied signed or used these accounts they are showing up on all three of my bureaus I have disputed these since XX/XX/XXXX but I have not heard anything back or seen a dispute opened I need these off my credit report asap!!! 


Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

Back on XX/XX/XXXX I filed a complaint here # XXXX against ; XXXX XXXX XXXX Citi Card. 

Since then I have gone back and forth with XXXX XXXX XXXX Citi Card submitting the same information over and over again. I even called to ensure they received the information only to get the same email again requesting proof of cancellation. 

I first sent them this on XX/XX/XXXX, again on XX/XX/XXXX, on XX/XX/XXXX, then on XX/XX/XXXX, a follow up on XX/XX/XXXX, then on XX/XX/XXXX, and lastly today ( XX/XX/XXXX ). All of these emails were sent in reply to the same request over and over from XXXX XXXX XXXX Citi Card I called numerous times, this claim first began on XX/XX/XXXX, it has been two years of nonsensical requests for information they already received. 

The claim # with XXXX XXXX XXXX Citi Card is XXXX - Citi card ending : XXXX
Consumer complaint received 2022-04-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I had a secure credit card with 5/3 bank. I closed it because they wouldn't raise the amount after using it without any problem with card. I call my personal bank in XXXXXXXX XXXX told him i want to close it and why. He closes the account but didn't leave any money on the secure card. A charge came in after for approx. {$50.00}, there was money in my checking, instead they start running up overdraft fee. I final saw a note on online banking about this. XXXX talk to branch MGR and district MGR about waving fees that they cause, They remove about {$200.00} but not all of them. Even though they admit to mistake. 
Its still on my credit report to.I have several call into District Mgr XXXX XXXX. 
he said he would check into it, but has not because I ask XXXX again. 
They are at fault, with this situation. 
They need to remove this from my Credit report and wave all fees.
Consumer complaint received 2020-09-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Incomm Holdings Inc. (MS)

I purchased this card from XXXX XXXX about 40 minutes ago XXXX XXXX  XXXX XXXX XXXX ms XXXX to pay cell bill and these people want let me get money off are even activate card so basically they took my hard earned cash ... I'm a single parent with XXXXchidren this is not right somebody help times are to hard