davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (FL)

Originally, my VA mortgage was with XXXX XXXX. After several months, XXXX sold my VA loan to TMS ( The Money Source ) Bank. I did not want to do business with this bank in the first place because I had never heard of it and was satisfied with XXXX. 

Secondly, I had an agreement with XXXX that all payments over the regular, required, monthly amount would be fully applied to my principal balance upon payment. When TMS acquired my VA loan, I was told, in writing, that " Nothing would change '' and that I had the same agreements as with my previous loan servicer, XXXX XXXX. 

I then continued to make very large payments, 2 to 3 times the regular monthly amount. Instead of applying the extra amount to my principal, TMS applied all extra amounts as if they were individual, additional monthly payments, taking full interest and escrow amounts out of each divided payment. This, in effect, was not only violating my previous agreement that I had with XXXX XXXX, but also violating the specific contract term that I would not be " penalized '' for early payments. 

TMS Bank has now taken more than {$5000.00} in extra payments and applied nearly 25 % of it to interest and escrow amounts instead of to my principal balance. TMS bank now has deducted more interest and escrow in just seven ( 7 ) months than I should pay the entire year. This has been happening since XXXX, 2021 and continued until now. So far, TMS has charged me {$4800.00} in XXXX and {$3300.00} in interest in just six months. My total annual escrow payments only come to about {$2800.00} per year!

It took me 3 months just to get them on the phone because they did not have anyone answering the phones, just playing " excuse '' messages about Corona Virus staffing shortages. When I did finally get someone on the phone about 3 or 4 weeks ago, the " Customer Service Representative '' stated that I would have to include a special written note with every payment for extra amounts to be applied to principal. When I told him that was NOT acceptable because I make all payments through XXXX XXXX XXXX XXXX System which does not allow any special notes, and I did not ever have to do such ridiculous extra process with any other bank, and I have dealt with numerous banks before, owning three other properties in my life.

TMS has done all that they could to continue to illegally take my money and place it toward their profits and beneficial usage, gaining interest off of my money the entire time, while making me pay a far higher interest rate than I should be paying. They were notified by phone and by written letter. The only response was that it would take them another 30 days to give a final " decision ''. THERE IS NO DECISION! IT IS MY MONEY, and they should apply it THE WAY THAT I WANT TO MAKE PAYMENTS or be sued and fined.
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MI)

Im filing this complaint against American Express ( Delta Gold Sky Miles ) concerning renewal fees, interest charges and late payment fees assessed against my account. My credit card account is managed by my son. The credit card that I had with American Express was due to expire the end of XX/XX/2020, and in XXXX I made decision not to renew my card due to COVID, and not feeling safe to travel at my age of XXXX years with the free bag privileges. I paid the merchant purchases owed made in XXXX of {$61.00}, and left the unpaid balance of {$99.00} ( Annual Renewal Fee ) open. Since I didnt understand how to cancel the account on my own, I waited until my son visited me in XXXX to formally close the account over the phone since I was getting billed for the {$99.00} renewal fee. I had received a new credit card from American Express in early XXXX to replace the current one that expired, but NEVER activated it since I had no intent of using it. The remaining facts are as follows : My son made the formal call to American Express to cancel the card on XX/XX/XXXX with me at my home in Michigan. This was done with a representative named XXXX. XXXX was also asked to credit the {$99.00} renewal fee, and small interest charged assessed since I had no plans to continue the card, and that I had NEVER activated the new card upon receipt. She said since it was past the ( 30 ) days ( whatever that meant ), she couldnt remove it and would need to escalate it for review and to get it cleared. The reference number for the ticket was XXXX On XX/XX/20 seeing that nothing had taken place to credit the annual fee and late payment/interest fees on my account, my son called once again and spoke to a representative named XXXX. She said it was still being investigated, and that there should be resolution by XX/XX/XXXX. 

On XX/XX/XXXX we spoke with a representative named XXXX to inquire again the status of resolving this issue. The renewal fee, non-payment fee and interest charges now total {$130.00} as of this date, with another payment date of XX/XX/XXXX looming. The representative said the ticket was closed on XX/XX/XXXX, yet the annual fee, interest, and non-payment fee remained on the account with no communication to me after the ticket was closed. At the end of the call with the representative, he said that the situation would be taken care of and the fees would be credited back. 

On XX/XX/XXXX, I had my son check my account online again. To our amazement, nothing yet had been done by AMEX to rectify our problem, and another {$40.00} late fee had been added. The outstanding balance now is a {$170.00}.
Consumer complaint received 2021-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2021, I deposited a check from my attorney 's trust account for {$6000.00} for an emergency partial insurance settlement because of my dire financial circumstances. 

See attached check stub and deposit receipt. 

I was told and receipt confirms that funds would be available on XX/XX/2021. 

However, I was notified by text ( see attached ) that those funds would be put on hold until XX/XX/2021. The reason given that the check " would likely be returned ''. 

This claim is baseless. It slander my attorney as well as my character without grounds. The check was from a legal trust account used by attorneys to hold settlement monies until all parties are given their fair disbursements. In addition, I have no history of depositing checks that have been returned.

According to the CFPB rules : 1 ) Regardless of the kind of check, the first {$200.00} is to be made available to the consumer on the next business day.

2 ) {$5000.00} of the check must be released within 5 business days.

Bank of America is breaking both of these laws by not releasing {$200.00} on the next business day despite my extreme need for the money for medications, food & physician co-pay as well as a credit card payment that will be late. Taken together, by withholding {$200.00} of a check from a reputable source, Bank of America is damaging my health, well-being and credit rating. 

Also by holding the first {$5000.00} of the deposit for longer than 5 business days, they are not only in violation of CFPB regulations, they are preventing me from being able to pay my rent for XXXX by the XXXX which will result in my owing an additional late fee. My phone service will also be disconnected. 

I am XXXX, have multiple health issues including XXXX  XXXX and XXXX XXXX  in addition to major XXXX XXXX. I will not have medications for these illnesses nor will I have proper nutrition as a result of Bank of America not following CFPB regulations, let alone common decency in treatment of a person they are aware of hurting by their actions or inactions.
Consumer complaint received 2021-10-05
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. (TX)

XXXX Equifax and XXXX has reported inaccurate information of my consumer report which has damaged my reputation and and made it harder for me to obtain money or credit services for the benefit of my household. XXXX Equifax and XXXX had reported sixty ( 60 ) inquiries on my consumer report causing my score to drop significantly which hinders my access to my federally protected right to credit. I have since had these removed after hiring a credit sweep company to manage the task. I was then informed that my rights had been violated and I was due actual damages for their carelessness.
Consumer complaint received 2021-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TX)

I have been putting my life and my family 's life in danger due to being a XXXX. Nothing has been offered to help XXXX  with student loans, not even from job. I think XXXX  should be able to get loan forgiveness for all or even half of student loans. We are here helping the world with COVID. Also, my loan has been consolidated so many times and it nulls out my plan or payment credit time.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Re : XXXX XXXX XXXX XXXX account XXXX listed incorrectly on Credit Reports : XX/XX/XXXX XXXX Report Number XXXX, XXXX XXXXXXXX XXXX XXXX account number XXXX, XX/XX/XXXX XXXX report XXXX, XXXX XXXXXXXX XXXX XXXX account number XXXX, XX/XX/XXXX Equifax Report Number XXXX, XXXX XXXXXXXX XXXX XXXX account number XXXX. My name is XXXX XXXX, XXXX, and I am a XXXX XXXX  service connected XXXX veteran. I had to declare bankruptcy two ( 2 ) years ago, which was finalized on XX/XX/XXXX. My bankruptcy was filed on XX/XX/XXXX, but I did NOT discharge my XXXX XXXX XXXX XXXX car loan and I continue to pay the loan as initially agreed with the original lien agreement. I have never been late. I contacted the XXXX XXXX by phone and letter several times but this loan still shows up on my XXXX XXXX as being discharged in the bankruptcy and a XXXX balance, which it was not. I spoke to the XXXX XXXX and forwarded letters and legal documents explaining I wanted to continue to pay the loan as agreed. For Instance, on the Bankruptcy official form 108, I clearly check Retain the property and ( explain ) : and then wrote continue to pay the existing loan. And for Did you claim the property as exempt on Schedule C? I checked YES. Discharged in bankruptcy with XXXX balance, this is incorrect! For XXXX XXXX XXXX account number XXXX, the Credit Reports should read reaffirmed, open, never been late and paid as agreed, or similar language. Because this XXXX XXXX bankruptcy debt is covered by a valid reaffirmation agreement and was NOT discharged.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My vehicle was robbed multiple times, my purse was stolen with all of my information in it. I filed complaints with the XXXX XXXX Police Department. As a result, there has been fraudulent accounts opened up and fraudulent inquiries on my credit report. I provided proof that they arent my accounts and the credit bureaus isnt deleting the false info from my credit report.
Consumer complaint received 2022-08-12
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Consumer Portfolio Services, Inc. (AZ)

On XX/XX/XXXX I decided to work with XXXX XXXX XXXX  to purchase a new vehicle. I was denied because they wouldn't accept the check stubs we get at my place of work. Which is direct violation of 15 usc 1611. Therefore it has caused me harm and stress. Furthermore I asked for there TIN and I was denied and given a false cooperate number by one of there associates which we have on recording. We will be sending our intent to sue letters to this company as well. This is also in direct violation of 15 usc 1635 and this will cost this company. Also thank you for that rude as phone call on XX/XX/2022 and giving false infortmation. That agent needs to be fired not understanding consumer laws.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX has listed Suspected Fraud activity on the XXXX data base. XXXX shows the that what XXXX reported for was suspected fraud activity with any amounts owed have been paid. closure status shows settled in full. I never knew any of this all I knew was XXXX  closed my account. I never comitted fraud.and now i am a criminal and can not open another bank account because of this XXXX.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2021-11-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CFAM Financial Services, LLC (PA)

I opened a vehicle loan in XX/XX/XXXX, I am now being told that my loan was sold in XX/XX/XXXX. I was never informed, nor did I change address that I couldn't be reached by mail. This practice is extremely illegal, I was never informed that my loan was sold!
Consumer complaint received 2021-11-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc. (NE)

Today XX/XX/2021, I received a notice from Credit Corp Solutions that I owe {$940.00}, reference XXXX. It indicates the original creditor is " XXXX ''. I only charge {$78.00} for payment by XXXX, and have automatic payment on balance due. Credit Corp Solutions is trying to scam from me, a senior citizen ( XXXX years old ) out of the {$940.00}. I have contacted XXXX. I have been unable to make contact with Credit Corp Solutions. I have file complaint with Nebraska Attorney General. 

Credit Corp Solutions , Inc. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-15
Product: Credit reporting 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. (AL)

On XX/XX/2023 I wrote to Equifax to have some hard inquiries investigated and removed. They are not mine. I already contacted the companies, and they told me to contact the Credit Bureau which I did. I did not give them permission to run my credit. Those inquiries are not mine. Equifax never responded to my investigation. It has been almost 60 days where is my response. This is unacceptable!
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I was contacted by the XXXX XXXX XXXX XXXX about being hacked or third party intercepted and have had non-stop repeating of personal purchases and nature of my income and perhaps internally some type of interaction occured with The XXXX Ohio XXXX XXXX Department and some inappropriate release of Health Hippa information and banking details ongoing. I was not offered any free credit monitoring nor was I allowed a advocate to assist me if I need small financial assistance or advice. Complete strangers called XXXX  has taken over here in XXXX and alledging heavy privacy issues suddenly and public information. Some of it is of a XXXX nature, weight, health insurance, and recently when calling into the XXXX XXXX XXXX  here at this location, the call center person repeated what was in my bank account.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I would like to have for yall to remove my closed XXXX  account from my account please this is a negative item reporting on my credit. Section 604 15 u.s code 1681 B.

Section 605 A 15 u.s code 1681 C-1 Section 605 B 15 u.s code 1681 C-2.

If this account is not removed action will be taken place because yall are not abiding by the law please and thank you
Consumer complaint received 2021-10-05
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: EQUIFAX, INC. (NC)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there is an inaccurate itemon my credit report. This have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have several accounts of student loans that are showing up on my account. These loans have been settled, refinanced, and or are currently in negotiation. This credit bureau refuses to report accurate information about my account and remove the accounts but continues to report false and inaccurate information. i have been fighting since XXXX with little or no changes The following accounts are in question XXXXXXXX Account # XXXX XXXX XXXX XXXX  XXXX XXXXXXXX Account # XXXX DeptedXXXX accont # XXXX XXXXXXXX  account # XXXX XXXX XXXX Account Number XXXX XXXXXXXX Account # XXXX XXXXXXXX Account # XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.