davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-10
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. (NY)

I am writing in reference to a previous case I opened at the consumer financial protection bureau that is now closed reference number is XXXX on X/XX/2017 in this you can confirm and verify the creditor has stated they will remove the account from all national credit reporting agencies. This has not taken place on my Experian credit report. I demand this be corrected as this account does not belong on my credit report as it was fraud and has been promised to be removed by the original creditor who is finger hut and is reporting incorrectly negative on my experian credit report as it should not show at all because i was told it will be deleted. I have attached copies of the letter received from cfpb stating the misleading fraudulent delinquent account will be removed. I demand you update this information and reflect it correctly on my credit report as it should not show at all since this account was fraud and does not belong to me I demand you delete I it immediately.
Consumer complaint received 2021-09-17
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc. (GA)

This " school '' enrolled under false pretenses and collected half the money from me up front. Never received certification or assistance one program ended. Advertised help but did not receive. Debt not owed since I didn't not get what was paid for.
Consumer complaint received 2017-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY (FL)

Reward dollars were available when TD Bank cancelled the card for inactivity. I called customer service numerous times to initiate a change of address, with no success. I also called customer service, both the credit card service and the rewards service, several times to have my rewards ( {$110.00} XXXX transferred to my brokerage account where they would receive an additional XXXX % bonus totalling XXXX {$120.00} XXXX. Although I received an email ( attached XXXX indicating this had been done, the funds never showed up in my XXXX XXXX brokerage account. I have written to TD Bank headquarters about this matter but have never received any reply.
Consumer complaint received 2023-02-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I need the CFPB to investigate the reporting practice of XXXX!!! You guys just keep sending my dispute to them and it's not getting resolved, I need CFPB to do their OWN investigation at this point. Please explain to me how this charge off account 's balance keeps increasing?? I just received a notification that the balance has increased by {$200.00} from XX/XX/XXXX to XX/XX/XXXX. Where's the interest or fee coming from that's resulting in the balance continuing to increase!!! This appears to be illegal as the account is charged off, I feel they violating the Fair Credit Reporting Act. They report that it late every month as well. This is unethical, I AM ASKING THE CFPB TO INVESTIGATE THIS ASAP. The balance is now more that what it was when if was charged off!!! Has the car been sold?? This is crazy.
Consumer complaint received 2021-09-17
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: NCB Management Services Inc. (SC)

I entered into a lease agreement with XXXX by way of XXXX on XX/XX/XXXX, of which I fell into default on, and my vehicle was repossessed. This made me an eligible consumer of the XXXX class action lawsuit in XXXX of XXXX. I received a restitution settlement for {$260.00} XX/XX/XXXX via XXXX, however, the vehicle is still showing twice on my credit report ; once as a charge off of {$8800.00} and another time through a XXXX party collections agency that XXXX sold the account to called NCB Management. The charge off for XXXX is not set to be removed until XX/XX/XXXX and the account with NCB management, of which I did not sign a contract with, will remain until XX/XX/XXXX. I received restitution from the lawsuit and have disputed this with both XXXX and NCB Management numerous times and it's gone unchanged. These negative items have caused me to be declined for pre-qualification for a home loan and also a loan with my credit union.
Consumer complaint received 2022-01-08
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)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2018-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (MN)

They hacked my account and I stole more than {$10000.00} from my Wells Fargo account. 
XXXX. I close my account. Also other companies transfered me to debt collecters. XXXX and XXXX.
Consumer complaint received 2021-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I notified checking account withdrawn {$140000.00} without my signature on XXXX XXXX the bank cancelled my request without my signature or admission on XX/XX/2020. 
My attorney called and letter to the bank to redeem for {$150000.00} on XXXX. 
My attorney called and letter to the bank to Reopen Claims {$150000.00} on XXXX XXXX the bank send letter that can not re-open without declaration on XX/XX/2020.
Consumer complaint received 2021-09-17
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. (TX)

Equifax has violated my rights under the FCRA and FTC Law. I have been trying for over 60 days to have the unauthorized inquiries remove from my credit report. Based on the laws, all information on my report must be accurate, no errors and verifiable. Equifax has not provided any evidence or proof. The inquiries attached to this complaint must be removed immediately. 

I am requesting CFPB to force Equifax to do its job and conduct a proper investigation to include producing proofs that these unauthorized inquiries were authorized by me. Please see attached evidences that I have been trying to work with Equifax by sending several certified mail requesting their verification of these inquiries. 

My next step is to bring this case to small claims court.
Consumer complaint received 2020-11-23
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. (CA)

I have repeatedly sent certified mail letters to XXXX, XXXX, and TransUnion to remove a credit item from XXXX  because I am supposed to be included in this Class Action Settlement against XXXX. I wrote to the Office of the Attorney General, they sent me a letter dated XXXX XXXX with a PIU # of XXXX and said to follow up with XXXX XXXX who is administering money damages and XXXX is supposed to do loan forgiveness etc. I called XXXX XXXX because I never got a notice and they stated " I am not part of the Class Action Lawsuit '', despite having 2 auto loans over 23 and 26 % interest rate. I have let the Attorney General 's Office know that these 3 credit bureaus have done NOTHING to remove this from my credit report, they have done NOTHING to help me get monetary damages, and XXXX continues to DAMAGE me and my credit reputation preventing me to move forward with my life. I CAN NOT get a decent job that is high paying, nor get a credit card, not even a car nor a house, and this has DESTROYED my ability to have any future. I want CFPB to HELP ME by enforcing Federal laws and make XXXX, Attorney General Office, and credit bureaus PAY ME MONETARY and PUNITIVE damages for my suffering here. I have a job working at an agency, but I have lost ALL chances of getting a Federal job. I am XXXX. Too old to get a real job now thanks to their destroying my credit.
Consumer complaint received 2017-09-11
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (AZ)

I found XXXX Hard Enquires in my credit report XXXX made by a company named OneMain on XX/XX/XXXX located at XXXX XXXX XXXX XXXX, XXXX, Az XXXX phone : XXXX XXXX XXXX and OneMain on XX/XX/XXXX located at XXXX XXXX XXXX, XXXX IN XXXX phone : XXXX XXXX XXXX which I do n't regognize ever contacting them for a loan. The Hard Enquire caused to lower my Credit Report Score which is not beneficial for me credit records.
Consumer complaint received 2021-09-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc. (CA)

XX/XX/2019 my XXXX XXXX XXXX policy premium is {$2500.00} I made two payments ( monthly ) in the amounts of {$300.00} and {$290.00}. First of all {$2500.00} divided by 12 is {$210.00} not {$300.00} or {$290.00} so I immediately switched auto insurance companies. XXXX then sent my account to collections for {$690.00}. When in reality XXXX charges a 10 % cancellation fee which would equal {$190.00} for my cancellation. I have no clue where they got {$690.00} from and I have tried for 2 years now to get this collection removed off my account but nothing and XXXX has failed to return any of my calls and disputes. This is ridiculous.
Consumer complaint received 2022-04-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: EVERBANK, NATIONAL ASSOCIATION ()

My CD account was matured in XX/XX/XXXX. Then There was a period of 10 days for me to give a instruction to renew or not. I called TIAA BANK and told them to close my CD account and transfer my money to my account in other bank first time in XX/XX/XXXX. And I sent a firm with account detail information by email to TIAA BANK in XX/XX/XXXX. But they didn't process my requirement and renew my CD account for another 5 years. Then the bank manager told me that there would be a penalty of about XXXX dollars if I close my CD account. The CD amount is about XXXX dollars. 

The TIAA BANK specialist, XXXX XXXX got my phone call and the filled form of transferring money from my CD account of TIAA BANK to other bank in XX/XX/XXXX. 
I thought she had processed my instruction But she postponed my instruction and hold my money in TIAA BANK. I sent the form twice to her by email at that day. 

As there was not any feedback, I asked her to process my instruction and sent the form twice by email in XX/XX/XXXX again. I still thought she had already processed my instruction but still did postpone my requirement. Later, she told me she had already transferred my case to other colleagues to process it in XX/XX/XXXX. 

As I still could not see my money transferring, I called TIAA BANK again. An operation consultant of TIAA BANK, XXXX XXXX, ( She is a lier ) told me there would be a penalty of XXXX dollars if I closed my CD account. I told her I sent my requirement before my CD renew. She said she would talk to her manager, XXXX XXXX, about my case, and she promised to call me back in 30 mins and send me an email at same time to tell me the result. BUT, she did not call me back and send email. I waited for her from XXXX XXXX to XXXX XXXX, my local time. When I sent an email to her to ask why later she said she forgot!!! 

I called TIAA BANK again. XXXX XXXX, a lead consultant, rudely told me there would be a penalty if I close my cd account.
Consumer complaint received 2021-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (GA)

I have been trying to dispute this account for quite sometime. It was opened back in XXXX, that was the same year I went through identity theft. It is now XXXX so now the account is XXXX years old and should be off of my credit report. Legally, I am no longer responsible for this account. I've sent so many dispute letters for this creditor and nothing has changed. This has been such a hassle for me. I have not been able to apply for a rental because of this. I've also dealt with two different companies to assist me with removing this item but nothing ever happens. Please assist.
Consumer complaint received 2020-10-23
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. (TX)

Equifax is reporting on my credit report the following residential addresses which I have never lived at. I have already submitted two dispute letters with them and they have still failed to remove the addresses from my credit report. 

XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX CT XXXX TX XXXX I have attached a copy of my credit report which shows the addresses still being listed.
Consumer complaint received 2019-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2021-07-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: TRUIST FINANCIAL CORPORATION (PA)

Regional Acceptance company violated consumer protection laws by exposing subprime consumer such as me to unnecessarily high levels of risk and knowingly placing me in a auto loan with a high probability of default. Regional Acceptance did not verify employment or verify it was actually me getting the loan. Regional acceptance requested no paperwork such as, bank statement, paystub, or anything to verify I could pay for this loan. Please bring a settlement upon regional acceptance I was a victim of subprime lending. Regional Acceptance has not sent me the original indebtedness in its original form.
Consumer complaint received 2019-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

loan # XXXX this mortgage company is not applying my payments since XX/XX/2019 the moment they receive my payments. PHH mortgage is saying agent XXXX ID # XXXX they have my payments on hold and they haven't applied my payments. I tell them why they haven't applied and they transfer me with someone else and hangup on me. I'm submitting document proof of my payments from my bank that PHH have received my payments and dates from my bank account chase
Consumer complaint received 2019-11-06
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: EQUIFAX, INC. (TX)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Midwest Recovery Systems (CA)

I had a debt with XXXX credit card. It went delinquent in XXXX and was charged off in XXXX. A new collection agency just put this back on my credit last month and is reporting the account going delinquent and charging off in XXXX so they they attempt to collect a debt that is no longer collectable. The debt had already been off my credit for years. I contacted them and they said they did not care and were going to collect.
Consumer complaint received 2021-09-17
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. (SC)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have inquiries repeatedly reporting on my credit report from XXXX XXXX XX/XX/XXXXon my Equifax Credit file and I never authorized or applied for credit with that company.
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (VA)

My mortgage was moved to Round Point Mortgage via XXXXXXXX XXXX  in XX/XX/2021. It took 2+ months of dealing with them to just get a simple biweekly payment schedule setup and multiple times talking to them for hours and being told it would be corrected then it was not. I then made a complaint on CFPB and a customer advocate actually helped out to get the biweekly process started, so I thought. I know come to see that my biweekly payments are not being processed as I was told when I sent it up. Screen shots and emails are in the attachments. 

This scam company is try to stop me from paying off my mortgage sooner not allowing me to utilizing a biweekly pay format to cut down on my principle. The setup below was finally created on XX/XX/XXXX and on XX/XX/XXXX my first biweekly payment was taken out. But it was never processed and put against principle like it was supposed to XXXX screen shot attached ). I request information from them over 48 hours ago and have still not heard back. I have called the advocate and every time I do it goes straight to voicemail. 

First biweekly : {$1400.00} normal payment + {$600.00} toward principal Second biweekly : {$1400.00} normal payment + {$600.00} toward principal Etc. 
For a total of 26 payments per year. 

The major red flag about this company is that you have to jump through such hoops to do the simplest of actions that most every other mortgage company has simple click of a button to get done on their website.
Consumer complaint received 2019-02-20
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. (GA)

XXXX XXXX XXXX {$440.00} There is no contracts, no valid claims ... account was settled with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
Consumer complaint received 2017-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Information Bureau, Inc. (FL)

I called XXXX for a debt that is showing on my credit report for {$230.00}. I never received anything in reference to this. I called them and they stated that it was from 2015 from an emergency room for my daughter. I let the rep know that my daughter has Florida kidcare which covers all expenses and she said it was too late and that there was nothing that could be done and that I had to pay for this. 
I provided my daughters insurance to the hospital. If i would have received something or been notified somehow, I would have corrected this issue then
Consumer complaint received 2017-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

My USAA # is XXXX. USAA wrongfully closed 3 of my credit cards. Two of which where part of a cash rewards program. One of the two USAA decided after a year in violation of regulation Z 's billing dispute timeline of 90 days to charge back fraudulent charges which they finalized in my favor previously. Granted the original billing dispute resolution still took a little more than the 90 days provided by law. <P/>Despite the failure to recognize and follow billing dispute timelines set forth by consumer protection laws, I was charged anyway. These charges should have earned the respective 1.5 % cash back on regular purchases and 2.5 % on gash and groceries. Which charge back fit under which category I am unable to correctly determine as USAA has refused to provide the requested documentation or identify the charge backs in any way. <P/>In addition there was a cash back balance due to my on both my XXXX and XXXX cards as part of the cash rewards program. The previous cash back balance as well as the cash back rewards which should have been earned on the charges returned to my card are unaccounted for. The last document I received from USAA stated a {$0.00} cash rewards balance. Yet I have not received the funds, nor any notice of where they are.