davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is an additional complaint to Bank of America. My current complaint is for CFPB Complaint ID XXXX which is citing the banks RESPA and ECOA violations for not rendering a credit decision within 30 days of receiving a credit application from me with the XXXX elements that are required ( Name, Income, Social Security Number, Property Address, Estimated Value and Mortgage Loan Amount sought ). This complaint is open and still being investigated. 

Regarding Mortgage Application : My new complaint is that I have repetitively asked for a copy of the invoices for the credit report and appraisal fees that were collected from me upfront in the total amount of {$1200.00}. The credit report fee was {$30.00}- which seems reasonable, however, the appraisal fee of {$1200.00} is high. I agreed to this fee but after the appraisal was delivered on XX/XX/2021 I have asked for a copy of the invoice for the appraisal and credit report fees to confirm that they are not profiteering from the 3rd party appraisal services, but to this date they have not been able to provide me with a copy of the appraisal report. 

I have asked XXXX XXXX at XXXX Ext XXXX for a copy of the invoices and he said he can't see them and will try to locate them for me as of XX/XX/2021. The appraisal report was delivered to Bank of America on XX/XX/2021 and the credit report was delivered on XX/XX/2021. There is no reason why they can't provide me with a copy of these 2 invoices. I asked XXXX XXXX for his email address and he refused to provide it to me for security reasons. He stated that they have sensitive financial information at the bank - such as account numbers and social security numbers- and somehow him providing me with his email address would compromise the bank 's security. He also told me on a recorded line that the credit report was {$28.00} but somehow they charged me {$30.00}- which is the violation I am seeking to uncover. XXXX 's email is his XXXXXXXX XXXXXXXX. I already knew what his email address was based on the corporate email format, but found it very interesting that he would not share it with me. I felt that I was being discriminated against as an XXXX  XXXX. I felt that I was being spoken down and that I am ignorant because I am an XXXX  XXXX  that wasn't born her. 

The appraiser who conducted the appraisal was XXXX XXXX XXXX California XXXX of Real Estate Appraiser 's License Number : XXXX. I have reached out to him for the invoice he sent the Appraisal Management Company and have not heard back from him. His number is XXXX and his email is XXXX. 

I would like a copy of his invoice that was submitted to match it to the one that Bank of America producers to ensure that Bank of America does not internally alter the invoice that they are allegedly profiteering from. 

I can be reached at XXXX XXXX XXXX
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2021-12-06
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 do not consent to nor benefit from the furnishing of these unauthorized entries on my credit file. Pursuant to the Fair credit Reporting Act ( FCRA ) 15 U.S.Code 1681b its my consumer right to have these entries removed from my credit file. Block and remove these entries pursuant to 15 U.S. Code 1681c-2. Failure to comply is civil and criminal non compliance pursuant to 15 U.S. Code 1681n-o.
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (OH)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-05-03
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. (OH)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (OH)

I received my child tax yesterday on my chase card. I try to get money for car and I can't access it. My sister accidentally pressed the fraud column on a transfer we already did I think it was XX/XX/XXXX but I was told I can't take her to the bank and withdraw the claim I don't believe or understand how or why she can't do it inside the bank instead of waiting for fax to be received
Consumer complaint received 2021-10-17
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I started an investigation or complaint with the bureaus. Capital one is reporting errors on my credit. They filed my complaint. Capital one responded with further inaccurate information. They have increased my balance changed although I do not have any way of adding debt because I do not have an account. Increased my payment history. They changed my account opening date and account status to open. I do not have an account open with this creditor. I have no history of transactions to report. My initial request was to verify the information because it is not consistent with XXXX, XXXX or XXXX. My job and credit are related. I could face termination for this company reporting inaccurate information. Please resolve by deleting all capital one accounts from my credit. They are fraudulent and harmful to me as a consumer.
Consumer complaint received 2022-05-03
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. (WA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # 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.
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I had orginally filed a dispute with Experian in early XX/XX/2021 and it still remains unresolved. I have received an update that they are still investigating the matter. How much longer are they allowed to hold back my credit score and complete the investigation? This is absolutely absurd and now they are causing great financial damage as I am attempting to buy a home. I do not want excuse I want a reply.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Its XX/XX/2022 and I have been paying {$22.00} ( CAD ) every month since XX/XX/2022 to access my credit report and score and every time I login to check, it gives the error To view your credit data, first logout, then back in. Please note that you may need to change your password after logging in. If you're still having difficulties, please contact Customer Service.

Now every single time Ive called, they lie and tell me to wait 24-48 hours that service would be restored but for 4 months now, nothing is been done. When I call the customer service, they redirect me back and forth between these two numbers : XXXX ( XXXX ) XXXX And XXXX ( XXXX ) XXXX. 

After been bounced 6 different times, I requested to speak to a supervisor who pretended the call was bad after I complained that I could not hear her as she sound muffled. I cant believe the awful customer service they offer. Today, their system is down, it just feels like theyre trained to lie, sell data to hackers and be rude! 

They need to listen to my calls on XX/XX/2022 between XXXX to XXXX EST to understand the level of incompetence their agents and even supervisor carry, absolutely disgusting.
Consumer complaint received 2019-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2017 I  am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-05-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc. (FL)

I found a debt collection amount {$720.00} on credit report which was XXXX XXXX bill in XX/XX/2017 by collection company AR RESOURCES INC. I didnt go to hospital during that time, I called them and disputed on line they were not removed it, because it is not my bill, there was somebody who stolen my personal information. ( original creditor was XXXX XXXX XXXX  )
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CT)

Experian Credit Bureau has failed to provide the services : 1. appropriate investigation services within 30 days 2. dispute filing through my paid membership, online, over the phone and Mail which has never been received from Experian 3 . Experian has provided multiple false/scam/fraudulent contact call centers, credit reporting Representatives, telephone numbers that has resulted in continued identity theft attempts 4. This is-not the same complaint.

5. The last time I contacted Experian : my email : XXXX ; XXXX was hacked 6. Documented evidence will support when agencies are investigating Experian the dispute center is unblocked ; then 5 days later Experian reports month after month Experian is continuously working on the dispute center.

7. To date Documented evidence supports my credit rating continues to demonstrate horrendous declines although my credit reporting status does-not represent or align with these horrendous declines dated XX/XX/2021. In addition, the blocked dispute center will substantiate Experian has not provided no online services it contracts to provide : Entrusting in God, equal rights, protection under the law and justice I request a thorough investigation be immediately be conducted into Experian Actions : See the two updated attachments :
Consumer complaint received 2021-10-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XXXX, I applied for a refinance loan with Bank of America. The rate was locked for 90 days. Immediately, I started having problems with Bank of America 's Navigator, being unable to sign in and view the loan documents. For months this continued on with BOA not willing this fix this problem, which made it impossible for me to provide documents to them in a timely manner. On XX/XX/2021, I spoke with supervisor XXXX XXXX about listing our property for sale. She never told me that I should not list this property for sale during this loan application. On/around XXXX, I made a request by email to supervisor XXXX XXXX for a Reconsideration of Value on the Appraisal. Almost three weeks after requesting this, Mr. XXXX finally acknowledged that he had started this request. During the last week of XX/XX/2021, XXXX XXXX informed me that since we had listed our property for sale, BOA would be denying our loan, but he would try to get an exception made to continue the loan process. On XXXX, he told me the loan had been denied, and we must start over with another loan. I have made multiple requests for BOA to send me the documents that state that we must not list our property for sale ; including requests for a copy of the " exception denial ''. BOA refuses to give me these documents. On XXXX, I received a total of nine emails from the BOA 's Navigator, which I can not sign in on, which I assume is for this second new loan. BOA has accused me of falsifying question 5a on page 10 of the loan application. BOA 's underwriter has harassed me with ridiculous questions. I feel discrimination against me has been involved during this first loan process. BOA has not mailed to me this loan denial, nor anything else. I spent a lot of time and money on this first loan application. Now, BOA is trying to make me do this again with a second loan application. BOA needs to send me the documents that I have requested ; and they need to stop this loan denial ; so that we can close on this first loan before the rate lock expires,
Consumer complaint received 2022-05-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc. (FL)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against CMRE Financial Services for committing identity theft. I have never given CMRE Financial Services any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CMRE Financial Services can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CMRE Financial Services continues its collection efforts, I will file for litigation for actual damages caused and CMRE Financial Services will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-05-03
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. (AR)

Theres a bankruptcy reporting on my credit file that shouldnt be there. XXXX, Transunion and XXXX has not investigated this problem accurately. They did not physically check with the court house to verify bankruptcy. This bankruptcy was voided.
Consumer complaint received 2021-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2022-01-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BK OF AMER. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( BK OF AMER XXXX, BK OF AMER XXXX )
Consumer complaint received 2021-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I am on a forbearance plan due to COVID19 but i have been current on my loan until i changed my home insurance. My Mortgage went up {$400.00} per month but when i changed insurance companies getting same rate as before my premium didnt lower until XX/XX/XXXX statement and i started new insurance company XX/XX/XXXX. 

It took 5 months to get correct amount which means that is like {$2000.00} extra Shellpoint is trying to get from me. I have been calling and calling to get this resolved. I need to have my mortgage premium adjusted and still nothing has been done.
Consumer complaint received 2022-06-10
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. (AL)

The credit bureaus stated that my account was properly investigated but how is that possible if many things are inaccurate on the accounts such as the date last verified inaccurate, date of last activity inaccurate, date last reported inaccurate, date opened inaccurate, closed date inaccurate, last payment inaccurate, term length inaccurate, payment history inaccurate for accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. This ground for removal. They also violated my rights under 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 Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX