davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-05
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)

EXPERIAN AND XXXX  are both reporting publishing and disseminating false and misleading and damaging information about me. 
XXXX XXXX, ACCT. XXXX IS REPORTING ME AS A CO-SIGNOR FOR {$280000.00} ON A DEBT I OWE XXXX ON.XXXX XXXX  XXXX  committed fraud in the inducement to sign a contract.I was lied to and told that my signature and documents were for reference only.It is quite possible that I am on camera in the XXXX XXXX XXXX office while this fraud was perpetrated upon me, The audio would verify my claim to FRAUD IN THE INDUCEMENT TO SIGN A CONTRACT perpetrated by XXXX .
Consumer complaint received 2017-12-21
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)

On XX/XX/XXXX, I was approved for auto financing through XXXX XXXX XXXX. On XX/XX/XXXX,  a contract was signed between myself and XXXX XXXX in XXXX Texas and XXXX XXXX XXXX was the financing company. 

On or aboutXX/XX/XXXX, I was informed by XXXX XXXX XXXX that XXXX XXXX of XXXX XXXX retracted the contract. When asked why, XXXX stated that my social security number was invalid and he therefore could not sell me the vehicle. 

However, after I requested that he put it in writing, several inquiries appeared on my credit report for auto financing. 
I never agreed nor authorized XXXX XXXX to apply for any credit. I was already approved through XXXX XXXX XXXX and the contract was signed on XX/XX/XXXX 

Please review attached
Consumer complaint received 2017-12-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (FL)

Capio account # XXXX amount is {$250.00} this was placed on my credit report and no one ever called me or sent me information. This debt is not validated as I have insurance and it was paid. XXXX XXXX ... their office is not helpful at all
Consumer complaint received 2021-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CO)

My US Bank account was disabled XX/XX/21 due to bouncing a check ( {$7900.00} ). I was transferring money between my HELOC and US bank. {$7900.00} was not available in the HELOC account. This caused the account to overdraft. I immediately became aware of this and wrote another check for {$7500.00}, bringing the account to positive ~ {$4000.00}. the customer support line directs me to the branch that placed the hold. I have called the branch over and over again, left messages for XXXX XXXX to call me back. I spoke with him once without a resolution, at that time i demanded the account be closed and the balance sent to me immediately. I have called his boss XXXX XXXX and left several voicemails without response.
Consumer complaint received 2021-02-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have an issue that requires your offices attention. Im a premier client and have maintained a 25+ year relationship with Bank of America . I recently refinanced my existing JUMBO home 1st mortgage with Bank of America and also maintain a HELOC with BofA. During the refinancing process ( for the mortgage ) I requested a modest increase to my unused HELOC ( figuring it would be easier to get it all done at once ). I was told by my mortgage banker ( XXXX XXXX XXXX NMLS # XXXX ) that it would be easier to increase the HELOC after we closed the first mortgage. Now I am being told ( post closing of refinancing ) that an increase to my HELOC would require an exception that BofA can not accommodate. This would have been helpful information to know prior to closing and paying nearly {$50000.00} of closing and refinancing costs. I find it unconscionable that after working with Bank of America in good faith and incurring massive costs that I now find myself forced to seek out an alternative HELOC AFTER Bank of America effectively locked me into a mortgage refinancing at a significant UPFRONT cost to me. I was clearly mislead. My refinancing business was sought after by several competing institutions but I decided to stay with BofA given the long relationship. 

Again, my HELOC request was raised during the 1st mortgage home refinancing process and I was told we will handle it after the mortgage is closed. At no time was I made aware there may be the need for exceptions.
Consumer complaint received 2022-10-10
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: Experian Information Solutions Inc. (TX)

In accordance with the fair credit report act. The list of accounts below has violated my federally protected c consumer rights to privacy and confidentiality Under 15 U.S.C 1681. ______ has violated my rights 15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an 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 items of information other then records of conviction of crime which antedates the report by more than seven years.

15 U.S.C 1681 section 2 ( A ) ( 1 ) a person shall not furnish any information relation 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 2020-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX XXXX. 
This account needs to be removed. This is from 2008. It is 12 years old.
Consumer complaint received 2020-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX XXXX. 
This account needs to be removed. This is from 2008. It is 12 years old.
Consumer complaint received 2021-02-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (CT)

On XX/XX/2021 I had fraud transaction 4 times each of XXXX $ ( Total {$3800.00} Approx. ) in less than 5 minutes and I did not get any authorization code from western union. As soon as I checked my email that my money got transferred, immediately I approached Western union saying that I had a fraud transaction they filed a case and given me the case number and told me to file a police complaint. Then I went to my local police station and filed the complaint. But western union was not helping me with any updates or information regarding the fraud transaction. Somebody stolen my money using my identity from a foreign location and they authorized and approved the transaction. They did not even care to notify me via email or ask me for a validation. Even after repeated calls their response was they were acting like it was my fault as my money was stolen by somebody through them. They are not even ready to share how that happened and they only wanted to talk to police.
Consumer complaint received 2017-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

This is the message I put on Chases website : **** DO N'T LET CHASE BANK DESTROY YOUR REBUILD FROM HURRICANE HARVEY ***** XXXX XXXX should go to jail for the pathetic way they are treating Harvey victims. My damage from Harvey is more than my maxed out flood insurance of {$250000.00}. I have heard of many people losing their contractors because Chase is holding their insurance money just like mine. In order to keep my contractor I  decided to pull from savings and have spent {$170000.00} to date ... The flood was 4 months ago and I received my insurance check over a month ago for {$250000.00} less a {$25000.00} advance. Chase is using our insurance money to loan out and they are refusing to pay us interest on our money. Just a side note ... the dirt that my house sits on is worth XXXX the amount of my mortgage ... without the house even being there. There should be an exception to the rules for catastrophe victims. *** CHASE IS CAPITALIZING FROM OUR LOSSES *** Flood date from Harvey was XXXX/XXXX/XXXX My officeXXXX is XXXX XXXX at Chase bank and when I asked her to pay interest on my money they were holding she laughed in my face ... her phone # is XXXX
Consumer complaint received 2023-02-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2020-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2019 I had reported fraud to Bank of America ( my  bank ) in regards to my debit card. I have filed a claim already with the CFPB ( XXXX ) about this situation. The fraudulent charge was from XXXX. XXXX assured me my account with them was closed. Bank of America processed a " stop reoccurring payments '' to XXXX on my old, cancelled debit card. 

This morning I logged into my checking account with Bank of America and saw another charge from them. I contacted Bank of America and was told the only way to even investigate the fraud was to cancel my card again. I couldn't understand how XXXX even got my new card number even though I no longer have an account with them. The BoA representative informed me that XXXX is able to force through transactions but having stopped payments from my checking account to them, I still don't understand how that is allowed by the bank. I was told I should have put a second stop payment on my new card once it was received. Since I was never told that, somehow this charge was allowed to be processed and now I have to wait again for a new debit card. Yet once again, I am left unsatisfied because this should have been prevented by Bank of America.
Consumer complaint received 2021-05-05
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: Experian Information Solutions Inc. (CA)

My husband and I are trying to get Corporate Credit and have a company helping us to do so. Everything needs to be consistent and correct. When Experian show a credit report my address is incorrect. In their system my address is correct. What will be seen by the corporate credit company is the credit report address. The address is being reported correctly for my husband. WE HAVE BEEN TRYING TO FIX THIS SITUATION FOR 38 DAYS. We have been on hold for hours. We have been promised a correction and it never happened. We have been told we'd get a call back but it was a lie. ALL LIES. Experian has now blocked us, refuses to deal with it or let us talk to a supervisor. BOTH OF THE OTHER CREDIT REPORTS HAVE THE CORRECT ADDRESS ON OUR CREDIT REPORTS. We are on the verge of having our livelyhood ruined. 
They have also spelled my middle name XXXX incorrectly and the past 4 addresses are incorrect
Consumer complaint received 2019-11-16
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. (OH)

XXXX XXXX, Dear XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX I m writing to you to request a correction of the following informations that appear on my ( XXXX, XXXX  and transunion ) consumer reports. 
Balance {$75.00} XXXX XX/XX/2019 Balance {$710.00} ( XX/XX/2019 )
Consumer complaint received 2021-02-05
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: SYNCHRONY FINANCIAL (OR)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, SYNCB/PAYPAL add a hard inquiry on my credit reports. 
OnXX/XX/2020, XXXX XXXX XXXX  add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

XXXX XXXX is reporting incorrectly to Equifax ; XXXX  and XXXX  the verbiage on the XXXX XXXX  account number XXXX. ( Please see page 3 of the attached credit report. ) The current explanation is as follows : XXXX XXXX Account Foreclosure, etc. This language is inaccurate. This account was sold, NOT foreclosed. It is extremely important that the language being conveyed is accurate. This incorrect reporting is harming my credit score and I respectfully request that this language be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this issue, however I have not been successful.
Consumer complaint received 2022-10-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (MN)

I got a debt collection hit on my credit report on XX/XX/22 for {$330.00}. Original creditor is XXXX XXXX. I try calling Credit Management LP about the collection and was told they couldn't help me dispute the collection since Minnesota is one the state they can't help. Issue is I don't have an account with XXXX XXXX. Never did. I never receive any mail, phone calls or email about it
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PENTAGON FEDERAL CREDIT UNION (AR)

XXXX Thanks for allowing me to finally view the card statements through your response from the previous CFPB complaint listed above. After reviewing the statements I see that there are billing errors I did not authorize any of the highlighted charges. see the attached documents This is a billing error dispute.
Consumer complaint received 2019-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TN)

Attached correspondence is modifications trial documents received from XXXX XXXX XXXX XXXX and Rushmore Loan Management. I made the 3 trial payments to XXXX XXXX XXXX upon 3rd trial payment clearing my bank, my mortgage servicer changed to Rushmore Loan Servicing. Received letter servicer changed, letter from foreclosure attorney stating my home was set for property foreclosure sale. Rushmore didn't honor trial modification with XXXX XXXX XXXX and didn't apply 3 trial payments that cleared my bank. Rushmore Mortgage sent another Trial Agreement, trial payments with Rushmore increased by $XXXX and the interest rate adjust out. My interest rate is at approx. 10.00 percent.  XXXX XXXX XXXX   final modification agreement was never received. My account was assigned to XXXX XXXX at Rushmore, I feel Rushmore is attempting to take advantage of me and set me up to lose my homes,they have not followed servicing guidelines for Consumer Protection. Please assist me with mortgage assistance.
Consumer complaint received 2017-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Fifth third is reporting incorrect information and will not : 1 ) contact me ( they are trying to contact my WIFE! ) 2 ) remove the erroneous marks 3 ) fix the reporting 4 ) delete the negative reporting 5 ) DO anything!

This very frustrating as this is my SECOND complaint now! I already submitted a complaint and they tried to contact my wife, not me. 

This is XXXX XXXX and 5th3rd needs to delete this off my credit as it is not correct.
Consumer complaint received 2024-03-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Spring Equity LLC (VA)

SpringEQ failed to follow up with documents I submitted as part of the application and loan approval process. Specifically a signed auto-deduction form with my account and routing number that requested additional payment to principal be added to monthly auto-payment. The loan went to closing with their XXXX XXXX XXXX XXXX XXXX XXXX ). At closing there was no sign in the forms of my previously submitted auto deduction with added principal. Instead the closing agent/notary asked me to fill out another, which I did with the added principal for monthly auto pays. After closing I began to get correspondence of notification of first and enduring payment from both SpringEQ and XXXX, still at the original monthly payment. I reached out to SpringEQ who denied they did anything wrong, even though they had requested and received my form otherwise, yet sending notices without added principal. They made many attempts to completely blame it on XXXX, said they gave XXXX the form, and it was their fault. They failed to ensure those documents made it to closing. I will be filing a separate claim against XXXX  for them failing to honor the document I had to resign and submit at closing. Failing to properly process ( multiple times ) documents as part of closing, puts doubt on any of the closing documents as being properly processed and/or honored. They claimed to have reached out to XXXX and said I needed to call them to verbally confirm what I already signed, notarized, and submitted at closing. The number for XXXX was to an auto-helpdesk. SpringEQ washed their hands of issue that they contributed to and failed to make good on document they failed to ensure was possessed properly. They wasted my time and energy.
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (VT)

This complaint is directed towards Bread Financial who has recently taken over for Comenity Bank. 

On XX/XX/XXXX my XXXX XXXX credit card was closed. I have proof of this in writing from Comenity Bank. I was directed to pay off the balance and to destroy the credit card. The closed account is even reflected with the credit bureaus. I have made my payments every month since and all payments have been made on time. My last payment was made XX/XX/XXXX bringing the balance to {$0.00}. I should not have had any further charges since this account was deemed closed. On XX/XX/XXXX, I was charged a {$2.00} interest fee on my closed account that officially had a balance of {$0.00}. I contacted Bread Financial customer service regarding this interest fee on my closed account. I was on the phone for 34 minutes, got nowhere, and waited only to be hung up on. 

I know other customers have had problems with these interest fees on a {$0.00} balance as well only to not realize it because they considered their card to be paid off. They were then slapped with a late fee. I am not going to keep playing this game every month. It is a form of stealing from customers. 

This account will have been closed for almost two years and my last payment on XX/XX/XXXX should have been the last interaction with Bread Financial. 

It amazes me that with all the complaints filed against Bread Financial that they are still getting away with this behavior towards customers. Unfortunately, I have another store credit card that has been transferred to this company as well which I will be closing once the balance is paid off and dread having to go through this process all over again. 

This is extremely poor customer service and IT IS stealing from customers. 

Please take care of this issue.
Consumer complaint received 2019-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Acceptance Inc. (NC)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE. I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION. I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting ( copied from the affidavit attached ) *******