davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (KY)

Opened a biz checking account XX/XX/23 with US Bank. Terms as promised were {$400.00} for {$3000.00} deposit. 

I called today to ask them about terms before I moved money only for them to tell me the promotion expired XX/XX/23. I signed up for the offer using links directly on USBank 's website. There was no mention of XX/XX/23 expiry on the page and I didn't get any warnings it was expired. I found the link again to offer via browser history and it's still live online with expiry saying XX/XX/23 ( XXXX XXXX XXXX ). A case of false advertising. I attached the disclosures one of their reps emailed me today about the offer that states it's expired. 

Currently, they have a BETTER offer for {$500.00} for {$3000.00} but refuse to recode my account opening to that one ( XXXX XXXX XXXX XXXX XXXX XXXX ). I have offered them the option of HONORING the terms of their past offer ( which is still live ) or recode my account with the better offer that is also live.
Consumer complaint received 2020-05-29
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. (GA)

I submitted the official notorized and police report documented identify theif affidavit in XXXX of 2019. I have attached the very documents they where submitted. This company still has this account showing on my credit report.
Consumer complaint received 2023-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (AL)

XXXX XXXX XXXX acct # XXXX balance XXXX XXXX XXXX acct # XXXX balance XXXX XXXXXXXX XXXX XXXX acct. # XXXX balance XXXX. These companies have illegally obtained these debts. 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. Also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make a consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. And all of this info is inaccurate. Also last but not least none of them have any of my correct information and my rights are directly being violated because none of these companies can validate this debt. They are not mine. My privacy has also been violated and I need them removed immediately. These are unfair and deceptive practices.
Consumer complaint received 2019-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion customer service wouldn't take care of it, I told them I was a victim of fraud and the Inquiries on my credit report were inaccurate and were not mine. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Banks and S & Ls  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX Finance other than personal XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Finance other than personal XXXX XXXX XXXX   XXXX XXXX, DC XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Finance other than personal XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Banks and S & Ls  XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Finance, personal XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX Finance, personal XXXX XXXX  XXXX XXXX, AL XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Finance, personal XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX
Consumer complaint received 2021-01-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am trying to transfer funds from the savings account to a linked account at XXXX XXXX. When I click transfer funds it tells me they are experiencing difficulties. In addition, it only lets me withdraw {$3000.00} at a time. Ive encountered this problem at least 3 times before. Each time I called the bank and my problem wasnt resolved. Today I threatened to file a complaint and was connected with a manager. He told me that there is a transfer limit on my account. I can only withdraw {$6000.00} in a month. The account was opened inXXXX. Do you think they would have updated the account polices in the past 34 years? They never made me aware of this. I am furious that I cant access my own money.
Consumer complaint received 2022-08-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OR)

My HELOC from a number of years ago was transferred from XXXX to Ocwen as soon as the loan closed. In 2013 my Bankruptcy cleared the lein but the lein/Deed of XXXX was not reconveyed. The lien still reflects against the property. Ocwen says they dont have/never had that loan. they say they have nothing to do with the property. They wont provide a payoff ( even if I offered to pay it if needed ) and wont provide a reconveyance. I have provided documentation proving they did have the HELOC and they refuse to help. 
I am trying to complete a refinance and am getting no assistance from Ocwen
Consumer complaint received 2020-05-29
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: Experian Information Solutions Inc. (VA)

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Accounts with XXXX ending in XXXX for amount of XXXX dollars opened in XX/XX/2008 AND account ending in XXXX with amount of XXXX opened in XX/XX/2008 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.
Consumer complaint received 2020-05-29
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB Corporation (MO)

I enrolled in XXXX XXXX XXXX in XX/XX/2019. In XXXX of XX/XX/2019, I had to take a medical withdrawal. I hadn't even completed half the semester. The school charged me for the entire semester and transferred the debt to USCB Corporation. I have since contacted the school and they have agreed that I was inaccurately charged. Now USCB Corp has closed the account on my credit reports but not deleted it like it should be.
Consumer complaint received 2020-05-29
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: Fidelity National Financial, Inc (MO)

On XX/XX/XXXX FNF Servicing pulled my credit. I did not authorize this. They are part of XXXX which holds my ex husband 's mortgage which was included in a Bankruptcy in XXXX. They purchased the mortgage from XXXX XXXX. The mortgage was never foreclosed on because we had continued to pay. The mortgage was purchased by 4 different companies since XXXX. When XXXX purchased this, they started reporting on my credit report which is illegal because the debt was already discharged. Then in XXXX, they pulled my credit without my approval. I contacted them to correct both the credit reporting of payments and the pulling of my credit. They removed the payment reporting but not the hard inquiry off my report.
Consumer complaint received 2023-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (DE)

I called in to pay my mortgage on XX/XX/2022 to ensure my account did not fall 30 days past due. I spoke to a representative over the phone who assisted me with processing the payment and provided me with a confirmation number. I received a notice that my mortgage was 30 days deliquent and the company informed me they had no recollection of my call. According to their records there were no notes on the account. I pulled up my call log and I called in at XXXX  that morning and spoke with someone who processed the payment for me. I asked the employee to pull the call. The managers shared with me they do not record all of their calls and could not locate the call. I have a 100 % on time payment history prior to this, and I take pride in that. I should not be penalized because their representative and their system did not document the interaction accordingly and factually. I have researched the company, New Rez and apparently this happens often. I am requested my payment history be reported accurately and timely, as my bill was paid within my 30 day window.
Consumer complaint received 2023-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IA)

Wellsfargo has denied my request to do a loan modification and denied my request to do an application for a loan refinance. I have asked to do either one due to the issue listed below. At this point I am at risk for paying a much higher payment due to an error on their part. 

Wellsfargo has mishandled my loan 's escrow account. I purchased a property and they failed to give me an escrow analysis on the year mark I purchased the house. This resulted in under payment on my taxes. I notified Wellsfargo about changing insurance companies and they sent a check to both insurance companies in error ( old and new one ) causing a significant shortage that still isn't fixed. 

I spent on average XXXX minutes to XXXX hours on calls with them trying to get to someone to get this resolved. I have yet to reach anyone that can help me get a clear picture of how much I owe on my escrow. 

I need wellsfargo to stop paying out my insurance. I have already paid it for the year. I also need them to correctly caculate my insurance and give me my yearly analysis when asked to ensure I am paying the correct amount. 

I have been hung up on, put on hold, and rudly spoke to more times then I can count. I simply want to pay my mortgage and have the payment be accurate.
Consumer complaint received 2020-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (IL)

DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE.
Consumer complaint received 2023-02-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Frontline Asset Strategies, LLC (NC)

On or around XXXX I recieved a letter from frontline asset strategies , LLC attempting to collect an allleged debt they claim I owe XXXX in the amount of {$1200.00} when in fact XXXX owes me the credit balance of {$1200.00}. I am currently in arbitration with XXXX  with this account and I will attach the demand for arbitration form and Case number in the file attachment area below. Frontline asset also gave me until XX/XX/2023 to dispute the entire debt in which I did dispute and request validation by certified mail # XXXX and they received it on XX/XX/2023 at XXXX. Frontline asset strategies did not send proprer validation of the alleged debt nor did they stop collection efforts after receiving my written debt dispute and took adverse acton against me by furnishing the alleged debt/collections on my credit report. This is damaging my reputation and jeapordizing my financial relationships with other financial institutions. If this account/collection is not removed from my reports immediately I will consider either submitting a Joinder/Consolidaton Request Form for frontline asset strategies to join the ongoing arbitration case with XXXX on this account or file a separate arbitraton case against frontline asset stategies.
Consumer complaint received 2023-02-22
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: ID Analytics, Inc. (FL)

Upset these companies are allowed to report fraudulent items on my report without my consent.. Its been months and months of me trying to get these items off with no success..Only 2 address should be on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX or XXXX XXXX XXXX XXXX XXXX florida XXXX everything else is FRAUDULENT!!!
Consumer complaint received 2023-02-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (VA)

SLS received our complete modification agreement on XXXX XXXX, 2023, but applied it to the wrong loan number. They then sent the loan to an attorney and added XXXX to the loan. After realizing the mistake, they rushed it through the application process and denied it within 10 days.
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

on XX/XX/2022, I was contacted by a person stating he was representing Bank of America fraud department. A call came through using the number XXXX the same number that is on the back of the Bank of America debt card. I was asked if I made a wire transfer in the amount of {$48000.00} to a XXXX XXXX XXXX. I was told I needed to transfer the money to another account. The scammer and taken over my computer and printer and printed out the instructions for me to follow transfer the money on XX/XX/XXXX approximately XXXX XXXX at a Bank of America office. On XX/XX/XXXX at XXXX XXXX. I went to the Bank of America in XXXX XXXX, Massachusetts and reported the scam to the XXXX manager. She contacted the Bank of America fraud division on the computer and telephone. I spent three hours with the XXXX manager. While she reported what happened
Consumer complaint received 2023-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I have a forced escrow account with a Shellpoint Mortgage servicer. They take monies out to pay taxes & insurance, they decided to collect monies but not pay for the insurance. On XX/XX/2021 they failed to pay for the insurance ( even though they were withholding monies ) The policy was canceled ( I could have lost my home! ) I renewed the policy by paying it in full ( policy # XXXX ) I paid the policy in full for the entire year! I forwarded a copy of the policy to Shellpoint. They told me that they going to buy a policy for {$160.00} per month for a policy with much less coverage. I informed them that I have a fully paid policy. 
I have copies of the letter demanding for the servicer to pay the monies that they were withholding! They refused and made no payment at all. This action or lack of action forced XXXX XXXX XXXX to terminate the insurance. 
This is when I purchased a new policy and paid it in its entirety its amount is {$600.00}. They have been withholding money even though they know that there is an existing policy! 
I am demanding that they return all of the forced money that they are pocketing!
Consumer complaint received 2023-02-22
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. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my account with your institution, [ Account Number ]. I have noticed several discrepancies on my credit report and would like to dispute the information being reported by your company. 

Firstly, my account with XXXX XXXX [ Account Number : XXXX ] was reported as having a late payment. However, I have never missed a payment with this institution and this late payment is not accurate. 

Additionally, I have a collection account with XXXX [ Account Number : XXXX ], which I have no knowledge of. I would appreciate it if you could provide me with more information regarding this account. 

Furthermore, I noticed that XXXX XXXX XXXX [ Account Number : XXXX ] and XXXX XXXX [ Account Number : XXXX ] were both reported as charge off accounts. I had previously worked out payment arrangements with these institutions and was not informed that they would be reporting my accounts as charge offs. 

Moreover, the account with XXXX [ Account XXXX : XXXX ] was reported as a charge off account as well. However, I had been making payments towards this account and was not informed that it would be reported as a charge off. 

Lastly, I have noticed collection accounts with XXXX CREDIT [ Account Number : XXXX ], XXXX [ Account Number : XXXX ], and XXXX XXXX [ Account Number : XXXX ]. I have no knowledge of these accounts and would appreciate any information you can provide. 

I would appreciate if you could investigate these discrepancies and make the necessary corrections to my credit report. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

Freeze was removed from account by a bad actor who apparently changed the login information for Experian. They provided me with access to the account when I was notified by a creditor of an attempt to get credit in my name. I changed the information back and updated the password. The issue I have is that we could not turn on Multi factor authentication. Then overnight the information again was changed by a bad actor. When I called back, they could not get me back into the account and only offered an escalation with a call back sometime in the future. I am concerned with the weak security posture of Experian and the ability of someone to change information in their system without any confirmation or notice to the existing email or an MFA notification. 

For an organization that I have no choice to engage with, to have such a poor security posture is a disservice to everyone who needs to use the credit system.
Consumer complaint received 2023-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PROFICIO FINANCIAL SERVICES, LLC (WA)

I was not notified ( ever ) about a debt from a company that I have done business with. I have paid this company over 7 thousand dollars in the last 2 years for service, they ( XXXX XXXX XXXX ) never notified me of a debt that I owed from 2017 after I recently paid them for maintenance and repairs for a vessel. I recently noticed a debt for {$2000.00} plus on my credit report. I was never notified and I never received anything in the mail what so ever. This has severely impacted my ability to access credit or buy a home due to this false owed amount. This is illegal. This violates multiple consumer protection and federal trade commission rules.
Consumer complaint received 2020-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

I am attempting to contact my mortgage servicer for questions about my escrow and payment due dates. Their website has been reporting " errors '' for the past 2 days and instructs me to " try again later ''. I have been trying to use the website morning, noon and night for 2 days. Their XXXX number has been completely overwhelmed for the past 2 days. I entered a " callback queue '' earlier this morning and have not had a call back in the past 4 hours. I tried calling again this afternoon and the number just disconnects when you select to use the automated system. LoanCare has a duty to make themselves available to customers and has failed to fulfill that requirement. I would like ot understand what my options for recourse are if this situation does not improve.
Consumer complaint received 2023-02-22
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: Experian Information Solutions Inc. (IL)

I AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW XXXX XXXX XXXX # XXXXXXXX U S DEPT OF ED/XXXX # XXXX U S DEPT OF ED/XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instruction.

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, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX mos ) {$3600.00} balance {$7300.00} balance I never opened an account with this debt buyer, this seems to have been bought from XXXX XXXX, but both accounts was CLOSED and marked as PAID/Charged OFF by XXXX XXXX XXXX 

I was never informed that the XXXXXXXX XXXX  sold the debt after closing/charging off the account. I was made aware of this by pulling credit to buy a house. 

Below XXXX XXXX remarks on accounts : Remarks Charged off as bad debt Canceled by credit grantor Times XX/XX/XXXX days late XXXX Closed XXXX. XXXX, XXXX and Responsibility Individual Remarks Closed Times XX/XX/XXXX days late XXXX XXXX XXXX. XXXX, XXXX