davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (GA)

Being new to Georgia, I sought potential lenders for a mortgage, and went with my agent 's lender. Silverton Mortgage, XXXX XXXX, was the loan originator and Vanderbilt Mortgage is the servicing company. From the onset, we express our desire to lock in at the lowest rate, pay off debt, and be provided the best loan product and advice that Silverton had to offer, as we did with others lenders we sought to go with. We were told by XXXX that she had our best interest at heart, and we were in good hands. When asked to lock in a 3.5 % rate, XXXX told us that she didn't lock her clients rates early because she has several years of experience and she would tell us when we should lock in our rate. We asked for all documents and disclosure, docusign documents, credit rates and scores used to determined our loan, and we have yet to receive them. We were told that our credit report and scores were pulled twice and was told that the updated score was XXXX. Come to find out, our score was only pulled once on XX/XX/2022, so she lied. We were told not to payoff different accounts ; and, yet we were ultimately charged with and {$11000.00} buy interest down fee, and we want it back. Also, XXXX stated in an email that she doesn't keep her clients documents, so she couldn't give us requested documents. We asked for the documents that the underwriters use, and still today, we have not received them. I have communicated with XXXX, from Vanderbilt Mortgage, XXXX XXXX, XXXX XXXX, XXXX XXXX, and left a message for XXXX XXXX of Silverton Mortgage. I have disclosed concerns with XXXX early on in the process. The home was priced at {$440000.00}, and to win the bid, we bided up to {$30000.00} over asking price. We asked that the {$30000.00} be added as an addendum note in closing documents because it was going to be paid outright, and not financed into the loan, or wasn't the price of the home, but XXXX stated that she could not do that. I have different correspondence to support what I'm saying.
Consumer complaint received 2022-04-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (NJ)

Ally bank. 

On XX/XX/10, all debit transactions to my account were duplicated, causing my account to overdraft. The money that was supposed to be left in my account are due for bills and payments in the coming days, which are now missing, rendering me unable to fulfill my financial obligations due to a lack of transparency and clearly a mistake on Allys end. 

No statement was issued by the bank, I was not warned, and I was only made aware of this by receiving numerous emails that my account has been over drafted, and I need to cover the balance. I checked my transactions and as stated above, every single transaction on XX/XX/10 made from my account was duplicated, removing an excess of XXXX dollars from my checking. 

I had contacted Ally customer service twice. The first representative didnt even ask for my name or account and said the issue would be fixed ( XXXX XXXX ). I spoke with a second representative who stated that no fund reversals were active on my account and the money should be back at XXXX XXXX, if theyre not, try again tomorrow. It is clear that theyre is no communication both in the organization or out. I still have no received my funds, putting me at risk to be late on payments, or to have my payments bounce potentially causing me to lose my car insurance. 

Again, there is a complete lack of transparency at the moment with Ally bank, as this is affecting many customers, and there has been no statement nor timeframe issued as to how the problem will be resolved. At this point due to the issues above, it feels more like theft from a bank then a mistake otherwise a statement would have been issued.
Consumer complaint received 2021-06-06
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: EQUIFAX, INC. (NC)

XX/XX/XXXX, XXXX XXXX, from the MO Division of Consumer Finance responds via email to a complaint initiated with the Comptroller. She couldn't understand what the problem I had with with XXXX XXXX XXXX XXXX as issuer, and XXXX, as new servicer, was. 

Again, the reports submitted to the bureaus include negative payment history that is not to be included. 

The Bank 's response is accurate in fact. Describes the action to be taken on the entry by the servicer, XXXX. That action, nothing, since the information is accurate. They are not considering those Metro II rules for subscribers. 

Story : Account opened XXXX XXXX was reported lost ( record XX/XX/XXXX ). Replacement arrived XXXX XXXX. 

Rule : 1. Update Account Number, one seamless file.

2. Open new account. Close original.

Bank Opted for # 2.

If you do that, the open date is the same. Negative information is excluded. 

Negative information removed from original account. Reinsertion rule prevents re-reporting.
Consumer complaint received 2018-05-15
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. (AL)

Bureau is refusing to remove inquiries that were obtained without my permission, I have sent them numerous requests asking to remove them and they have not ; so I'm filing this complaint against them for unfair credit reporting XXXX XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquiry from  XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX   XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX inquiry from  XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX
Consumer complaint received 2018-12-14
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: EQUIFAX, INC. (MD)

I have reported to all 3 credit reporting agencies that they are reporting duplicate account. They are reporting XXXX ( XXXX XXXX XXXX ) and XXXX XXXX as separate accounts. They are not. I had only one 2nd mortgage. XXXX and XXXX XXXX are the same company. The account started out as XXXX, years later they changed the account number to a XXXX XXXX Account. They did not sell the loan to XXXX XXXX, they only change the account number because both companies are one in the same. I do not have 2 second mortages. I only had one 2nd mortgage, but they are reporing them as 2 separate accounts, but they are not. There was only one second mortgage its just that they changes the account number under the owner of the account which was XXXX XXXX who owns XXXX, but its still only one account. The duplicate accounts are being fraudulently being reported as 2 different accounts when in reality they are the same account.
Consumer complaint received 2022-04-11
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. (FL)

Accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number # XXXX And US DEPARTMENT OF EDU Account number XXXX has Violated my rights. 
15 USC 1681 section 602 A. 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.

Also they do not have any permissible purpose to furnish my person information to any third party 15 UCS 1681b.
Consumer complaint received 2021-06-06
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: USCB Corporation (MD)

I have reviewed a copy of my credit report and I show company XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2018-12-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Machol & Johannes, LLC (NM)

I received a garnishment through my bank account at the beginning of this year. This garnishment was processed without me being notified via written correspondence, phone call nor being properly served. I disputed the garnishment and a couple of months later the funds were returned. A second garnishment was initiated, again without proper notification, via my employer and the funds were collected in full in three installments. I have all the documentation reflecting the full payment of the garnishment. To my astonishment, on XX/XX/2018, the same company, garnished the same debt, already paid via the three monthly installments from my employer. They again failed to contact me in any way, and have illegally taken my money, causing me distress.
Consumer complaint received 2022-04-11
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. (IL)

In accordance with the Fair Reporting act XXXX XXXX XXXXaccountNumber XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency can not furnish a account without my written instructions
Consumer complaint received 2021-06-06
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: DISCOVER BANK (NC)

I have reviewed a copy of my credit report and I show company DISCOVERBANK account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2022-04-25
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: Experian Information Solutions Inc. (OH)

I previously filed a CFPB complaint on Experian ( # XXXX ) for being willfully negligent in their reporting practices on XX/XX/2022. At that time I also requested a decescription of the reinvestigation procedure. Pursuant to FEDERAL LAW, 15 US Code 1681i, Experian was to have that information delivered to me within 15 days. However, once again, Experian has failed to meet its obligation to provide this information as well as provide fair and accurate information on my consumer report.
Consumer complaint received 2022-04-11
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Home Loan Center, Inc. (DC)

I submitted an inquiry via Lending Tree with the intention of securing information about tapping into my home equity. When entered my information ( only my name, address, phone no and email address ), I was presented with several questions that didnt seem to align completely with all of my needs. I proceeded believing there would be an opportunity to speak with someone at a later date about a formal application process or have an opportunity to review rough loan estimates. I did receive a few estimates, but they were for short term loans as apposed to loans pertaining to a HELOC. Not once did I provide my social security number, salary information etc. for a formal financial profile review / application submission. I received two notifications from lending tree last night indicating that I hadnt met requirements for a loan, and that per my request that reached out to credit bureaus to obtain my credit profile information. I never have them permission to do so, and this will result in an additional inquiry. This company and its practices are deceptive, and its important that they fully do disclose their intentions via phone consultations. Its not legal to check someones credit without their permission- Im concerned about this matter, and it needs to be resolved right away.
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (TX)

In accordance with the XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 166b 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 2018-05-15
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. (CA)

I have disputed on multiple occasions with the credit bureaus about the inaccuracy of this accounts, XXXXs, requesting verification that this account belongs to me, and provide the original application, and/ contract with my signature. However, every time I initiate an investigation with the CRA 's they report back as " account verified and belongs to me. '' The CRA 's are reporting this account as a charge off with a monthly payment? How is it possible for a charge of to report with a monthly payment? Obviously, the CRA 's are not reporting an accurate, complete report.
Consumer complaint received 2022-08-23
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. (FL)

This is XXXX XXXX submitting this CFPB complaint to you today to inform you as well as the Credit reporting Agencies that I have been a victim of identity theft and that the items I am disputing were the result of such crime. I previously sent a letter dated XX/XX/XXXX with complete attachments of my personal identifying documents such as my driver 's license, SSN, as Proof of billing Address. I also attached a copy of the ID THEFT REPORT I received from the FTC. I have read that the Credit reporting agencies are requried to remove any account and information that resulted due to identity theft under the provisions of the FCRA section 605b. I am now submitting this CFPB complaint to request that the Credit Bureaus remove the disputed accounts completely from my Credit report. If the Credit Bureaus insist that the disputed accounts belong under my name, I will need to be presented with documents bearing my signature to support the Credit Bureaus claims. If the Credit Bureaus can not provide me copies of documents I am seeking, I would greatly appreciate it if the Credit Bureaus immediately remove the dispute accounts. If it is not that too much trouble, please remove the follownig accounts completely from my Credit Report : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance : {$120.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Original Creditor : 06 XXXX  ) XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$340.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2020-11-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CO)

For over 10 years, I've worked as a XXXX in XXXX and for the XXXX XXXX. I have dedicated my XXXX career to XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX. I've been diligent about making my student loan payments in a timely manner and following all of the Public Service Loan Forgiveness ( PSLF ) rules and procedures. I've spent endless hours on the phone with lenders and servicers trying to fix their mistakes. 

In XX/XX/2020, I was notified by Fed Loan Servicing that I had made 120 qualifying payments and could apply for forgiveness, which I did immediately. My application has been pending for over six weeks. So, I called Fed Loan Servicing today. I was told that the process could take up to six months, and only then will my application be forwarded to the U.S. Department of Education for the second step. The process is painfully slow. 

There is no good reason that the confirmation of eligible payments should take so long. Fed Loan Servicing has been verifying my employment and payments all along, and notified me that I was eligible. The company is obstructing public servants from taking advantage of the PSLF program. Meanwhile, financial records, including credit reports, show that I have a huge amount of educational debt. Additionally, I must continue to endure the stress and anxiety associated with having no faith in the system working properly or fairly.
Consumer complaint received 2022-04-12
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: MARINER FINANCE, LLC (TX)

I filed a dispute in regards to inaccurate items on my credit report. It's been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-04-12
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. (IL)

In accordance with the Fair Reporting act XXXX XXXX XXXX accountNumber XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency can not furnish a account without my written instructions
Consumer complaint received 2021-06-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. THIS IS IN NO WAY A REGULAR DISPUITE, i have filed a complaint with the federal trade commission and XXXX XXXX XXXX  because it is to my knowledge I do not recall even opening this account. I need this problem fixed immediately. On XXXX 2021 I sent a letter to each bureau in regards to this account. I will not wait another 60 days to receive 0 response because clearly i am being ignored on this matter. [ I demand this account be deleted immediately or i will file for litigation due to the stress this has caused me and my family. ] In Section 611 ( a ), it is plainly stated that a failure to investigate this account within 30 days gives reason to immediately remove this item from my credit report and it has been well over 60 days so this account should be removed promptly!!
Consumer complaint received 2022-04-11
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: EQUIFAX, INC. (MD)

Improper uses of my Credit files Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-12
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)

In accordance to the Fair Credit Reporting act XXXX account XXXX XXXX  acct # XXXX 30 day late payment, XXXX acct # XXXX, XXXX  Acct # XXXX, XXXX acct # XXXX XXXX XXXX 90 day late, XXXX XXXX acct # XXXX 120 day late payment, XXXX XXXX acct # XXXX 120 day late payment, XXXX acct # XXXX 30 day late payment, XXXX XXXX acct # XXXX, XXXX acct # XXXXXXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX XXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # acct # XXXX, original acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX Late payment, self/lead latepayment, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-29
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. (NY)

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TN)

I have two accounts reporting incorrect on my credit report, I have contacted the bureau by letter on XX/XX/2020. It is now 30days later and there has been no answer, according to the FRCA they are in violation.
Consumer complaint received 2022-04-25
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. (MS)

n accordance with the Fair Credit Reporting act XXXX Accounts : XXXX XXXX Account number:XXXX XXXX XXXX account number:XXXX, XXXX XXXX account number:XXXX , XXXX Account number : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions