davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the credit Reporting act XXXX XXXX XXXX # 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 open end consumer credit plan as late for any reason.
Consumer complaint received 2022-01-15
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. (OH)

On XX/XX/21 I disputed that you are reporting inaccurate information and to please validate and update this this account ( XXXX XXXX ) to paid as agreed. To this day it has not been updated as requested. FCRA states that information must be verifiable and 100 % accurate! This account does not have ( Term 74 months ) I have not signed a contract with 74mos. nor have I ever been late on this account. 

I Demand that this account be updated immediately to " PAID AS AGREED '' or I will file for ligation due to the stress you have caused me.
Consumer complaint received 2023-04-04
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. (CA)

XXXX, Experian showing XXXX XXXX as delinquent. I have already tried asking them to remove as I have received the car title for this account. It has lowered my credit score drastically and asked them to remove it however not done yet. Privacy act of XXXX. I have submitted another dispute and waiting to see what the results are but need this removed immediately.
Consumer complaint received 2020-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Student Loan Financial Assistance (CA)

Student Loan Financial Assistance located at XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX and XXXX solicitated me over a robo call claiming to be the US Department of Education and promising me if I paid {$1400.00} to them my loans will be forgiven and wiped off my credit report immediately after payments have been rendered. I paid the payments and their processing department forged my electronic signature and sent out a forbearance to my current loan servicer XXXX XXXX without my knowledge or consent to put my current loan payments on hold.
Consumer complaint received 2021-06-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (CA)

I have been getting charged late penalty fees for my tax payments since I have owned my home since XX/XX/XXXX. To be clear, these are regular tax Bill 's. I have an FHA loan which requires me to have an escrow account pay for taxes on my behalf so I have no control over when payments are being made. I refinanced in XX/XX/XXXX in hopes that this would help solve this issue, and clearly mentioned to the New American Funding loan officer to ensure that my tax payments get sent out and confirmed by the deadline each year. 

I have emails dating as far back as XXXX which states the ongoing status of my complaint about these penalties on my account with New American Funding, and it has been almost a year now and my case is still outgoing. The representative I am speaking to said that they are at the mercy of XXXX XXXX County, and can not do anything further until they are contacted back. Escalations have apparently happened, but clearly there isn't enough action in place to get things settled in a reasonable time frame. 

So far, I have received the following : I have been getting threatening delinquent letters from the county saying that my house will default if payment is not received. 

I have also been getting charged even more late penalty charges since, which keep getting tacked on to my yearly tax payments. 

I have gotten a letter from as New American Funding saying that they are increasing my impound account because there wasn't enough money in there to cover tax payments. Mind you that the increase in taxes were also contributed to these ongoing late penalty taxes. 

Most recently as of today, XX/XX/XXXX, I now received a threatening letter from New American Funding stating that my official taxes are delinquent and if they pay for it, then my mortgage payments will increase even more as a result of them paying, EVEN THOUGH, I have an ongoing open case with them about this matter. This delinquency is a direct result of this ongoing issue with escrow not paying on time or working with XXXX county to accept payment on my behalf. 

I have lost thousands of dollars over the past 3 years of owning this house due to the incompetence of New American Funding and XXXX XXXX County 's inability to solve this ongoing issue. I know I am not the only one going through this issue either as mentioned on a call with one of the representatives.
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Today, XX/XX/2022, I received a new credit card from Bank of America. The company which claimed I opened the card with is XXXX. I never heard of this company before. The total credit line is for {$7500.00} and they charged me {$59.00} on the card for the privilege of opening the account. I did not open this account. My name is spelled incorrectly on the card. Bank of America told me they will close the account and reverse the {$59.00} charge. Through research, I found I should also report this incident on this site.
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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I received your correspondence on this alleged account stating your ( verified/ updated ) this account which is a violation. Bankruptcy court doesnt even give consent to third parties to collect my information I have contacted them personally and gotten multiple written documents from the court to support my cause. I asked that you remove all inaccurate bankruptcy information if you chose to play with me It will result in multiple fines under the law. 

These accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word.
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NM)

My account with wells Fargo is now closed, so not sure how to get that info. I understand there has been some unlawful activity from XXXX, and my account was closed XXXX. I had many unexplained monthly fees and often charged overdraft fees at least once a month.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TX)

Account name MACYS/CBNA Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$810.00} written off. {$810.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$810.00} ccount name MACYS/CBNA Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly Payment {$0.00} Credit limit {$300.00} Highest balance {$700.00} Terms NA On record until XX/XX/XXXX I paid off my debt and it is still showing as charged off but it shows that I paid it off. I reached out to Macy 's multiple times and they keep saying they will remove this from my account and nothing has happened.
Consumer complaint received 2022-04-29
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 DEPT OF EDXXXX 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 an account without my written instructions
Consumer complaint received 2023-04-04
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer 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 2022-05-01
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. (GA)

I have submitted numerous request also a previous CFPB request. My rights are still being violated. I have the right to request verification of the debt is provided by The Federal Fair Debt Collection Practices Act. I have NOT received information validating these alleged debts.Instead of receiving debt validation as requested I received a response from Transunion it another language. I believe it to be Spanish I'm not certain. This is a stall attempt.I need legal proof not a response of verified. I have submitted disputes in the past I have never requested another language. I received responses in English only. 
Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-15
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: SANTANDER HOLDINGS USA, INC. (WA)

This Was Part Of Divorce Decree On XX/XX/2021 Decree # XXXX XXXX  It is not my financial Obligation Anymore, as it belonged to my Ex Spouse. I was Relieved from my debt by a court order, Ordered by A Judge XXXX XXXX In A XXXX, Washington XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX : SANTANDER/XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX : XXXX XXXX  Account Number : XXXX XXXX
Consumer complaint received 2023-03-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (CO)

Purchased a XXXX  XXXX XXXX XXXX from modern. XXXX XXXX and credit acceptance corporation was the bank that approved the loan the vehicle was financed for a total of {$10000.00} double what it was selling for in addition credit acceptance tacked on a warranty that I pay for tacked for n to the loan I was never told about or agreed to and was not told of the final total of the car loan I felt misrepresented in the whole ordeal I feel like I paid way more than double value of this vehicle and signed of false and hidden fees I feel car should have been paid in full. I still owe {$5000.00} on this loan. That I'm stuck with.
Consumer complaint received 2021-11-30
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. (NC)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-06-23
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CREDIT ACCEPTANCE CORPORATION (NC)

Credit Acceptance ( CAC ) has levied hidden charges that added 37 percent to 68 percent to loans for customers including me, with low credit scores. After closing my account, and aggressive calling to pay a debt owed on a vehicle that is reported stolen and no longer in my possession, Credit Acceptance till this day preys on me and many pandemic related consumers.

Credit Acceptance requires many borrowers to buy vehicle service contracts that added, on average, {$2500.00} to their loans.

Credit Acceptance 's policy is to call consumers on debts and default loans almost eight times a day to try to collect. They have called me repeatedly in the wee hours of the morning. 

In addition to high costs and aggressive collection practices, Credit Acceptance has also been big in repossessions, repossessing cars in 45 percent of the loans.

When Credit Acceptance repossesses a car, the borrower must continue to pay the amount owed. That can include payments on a vehicle service agreement the borrower can no longer benefit from, illegal lending and collection practices that are predatory and illegal in several states, and harmful credit damages to many consumers across the nation.

Credit Acceptance has also raised debts for non payment thru illegal practices and policy ( including myself ) while targeting consumers with high interest rates and devastating " lawsuits '' or anything in relation to debts, loans and destroying the consumers credit thru illegal collection practices. 

XXXX an CFPB need to bring Credit Acceptance to light.
Consumer complaint received 2021-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (AL)

XX/XX/2021 I was contacted by Chime banking that my account would be placed on hold due to suspicious activity. I said ok keep it on hold until I send a pic video proof of residence and then I was locked out my email accounts, at this time didn't know why someone kept trying to gain access to that account.. not knowing at the time my 3 stimulus had been deposited into that account. XX/XX/1200, XXXX XXXX, and XXXX XXXX the hacker would lock me out of my email to keep me from logging so I had to change email address like 4 times. I contacted authorities and the FBI. I submitted screenshots emails and was sure to include the detective in all emails. I disputed all, three payments it was denied. So I called and one rep did state that the logings were coming out of the county but my device is compromised and it's showing XXXX Texas. So now it has been well over 4 months and I've yet to receive my funds.
Consumer complaint received 2021-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

My loan was transferred to Mr. Cooper from XXXX on XX/XX/2021. The loan is in good standing and came over in good standing but with an incorrect monthly payment amount which has caused misapplied payments, an incorrect escrow balance and an incorrect loan balance. 
I have spoken to six ( 6 ) different Representatives and your Escalation Department but the errors and mistakes continue to exist. This has been going for over 45 plus days since the loan was transferred to Mr. Cooper. Ive contacted Mr. Cooper by phone, I spoke with a XXXX on XX/XX/XXXX, I spoke to a XXXX on XX/XX/XXXX, I spoke to a XXXX and XXXX on XX/XX/XXXX, I spoke with XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX and continue to email XXXX XXXX XXXX for updates. All this has resulted in nothing, no action taken to correct my balances by Mr. Cooper. 
By their own admission, loan activity review and verification by each Representative the balances are incorrect. My monthly loan payments are made on time but are misapplied each month to the principal, interest and escrow. And still Mr. Cooper has taken no action to rectify these errors and mistakes since the loan transferred on XX/XX/XXXX. 
I sent a letter to correct the errors and mistakes on my loan. They only corrected the amount for XXXX on XX/XX/XXXX but not the misapplied principal, interest or escrow balances for XXXX and XX/XX/2021. I was told if there were any misapplied payments they were done. 
Here are the details for the adjustments and corrections. 
Prior to Mr. Cooper taking over loan servicing, payments were made to XXXX for the projected escrow shortage. These payments were made prior to XX/XX/2021 in the amount of {$140.00} reapplied on XX/XX/2021 from date of payment on XX/XX/2021, {$140.00} on XX/XX/2021, {$1000.00} on XXXX and {$670.00} on XX/XX/2021. The total amount paid for the escrow shortage was {$1900.00} and all this was not applied to the escrow appropriately. 
The XXXX payment was made to XXXX on XX/XX/2021 in the amount of {$2300.00}, the extra {$140.00} should have been applied to principal. The XXXX payment was made to Mr. Cooper on XX/XX/2021 in the amount of XXXX, the extra {$140.00} should have been applied to principal.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NJ)

In XXXX, XXXX, I contacted TD Bank requesting an extension for an forbearance for three more months. The company noted that I requested a forbearance. 

On XX/XX/XXXX, I received an alert from XXXX XXXX that my credit score declined by 60 points. The report indicated that my XXXX payment was 30+ days late and it was reported to the credit bureau. I called TD Bank on XX/XX/XXXX XXXX XXXX XXXX XXXX & they noted that it was a mistake on their end and that they were supposed to extend my forbearance. I called back on the next business day XXXX XX/XX/XXXX XXXX and TD Bank informed me that they will begin the process to remove the late payment. They said this would be repaired in 30 days. 

On XX/XX/XXXX, after seeing my credit score continue to decline, i called TD bank back and requested an update. TD Bank informed me that they finalized everything on their end and I have to wait for the credit bureau to make the necessary updates.

After a few weeks, I decided to dispute my late payment reporting through transunion.com. The results came back that my report was correct- I was, in fact, late in my payment and the late payment reporting remained. TD Bank never submitted the necessary information to repair my credit report to tell credit bureau. 

In XXXX, XXXX, I called TD Bank ASAP and demanded an update. They indicated that they had not submitted anything to the credit report to repair the late payment reporting. After further discussions and a call back an hour later, TD Bank said that they revised my forbearance starting XX/XX/XXXX and TD bank would report the correction to the credit bureau when scheduled. 

It has been 30 days and the late payment remains on my credit report. 

Im requesting that this repair is made ASAP. Its been 6 months and this error has prevented me from obtaining loans & additional living arrangements, etc. In addition, Im also requesting for my forbearance to be extended an additional three months as I paid off the first three months when I made the initial request in XX/XX/XXXX. At that time, TD bank stated that I had 90 days to make 3 months of mortgage payments all at once. So I borrowed the money to make the payment. I didnt want to miss a mortgage payment and cause my credit score to decline.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WY)

When shopping for a mortgage I have had credit ran within 45 days, as per the law, I am able to shop without counting as multiple inquiries. However, this is not the case as each has resulted in multiple inquiries on my credit. I am self employed and had trouble with finding appropriate mortgage specific to my situation. This has made it completely unable to obtain business credit as I am working on building business credit as well as bringing down my credit score and requiring more of down payment requirements along with higher interest rates. I contacted creditors along with credit bureaus and every time they state it is verified. Each inquiry is not consistent with it stating mortgage inquiry rather multiple are labeled as XXXX or bank credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX