davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (MA)

I received a Personal Loan that ultimately was Constructive fraud. The loan was suppose to be placed into my checking account and I would pay off the credit cards that I choose called peer to peer. But instead Schools First Federal Credit Union made it a Credit Card Rewrite Loan forcing paying off the cards themselves. They misrepresented the loan they gave me in writing. I got loan 81 XX/XX/2018. 
. They also were lying stating that they only do loans up to 48 months when they do them for up to 60 months. 
I have XXXX XXXX which was for {$6800.00} with interest is {$7900.00} at 7.45 %. My loan documents say nothing about a Credit Card Rewrite loan. I paid it down to {$5400.00} so far. The loan documents are not accurate do to the CONSTRUCTIVE FRAUD. I always pay. Never late! 
I was also offered Overdraft Protection on my checking account with them which I was told was not a line of credit. However, if I had insufficient funds it had a 3 % fee which does not affect the credit score. And I was  also told the bank does not send out disclosure notices on it. When I finally used it several months later, my statement showed a 12.90 % rate for the {$1300.00}. I called and asked several times for the disclosure notice to be mailed but it was never mailed. 
Another bank I do business with sent me a disclosure notice on their Overdraft Protection today. It is not a line of credit. The overdraft protection above turned out to be a line of credit from SFFCU. CONSTRUCTIVE FRAUD AGAIN. Again, I was not accurately informed again. It was not for insufficient funds. 
Also, I was offered a line of credit at 8.49 % elsewhere at {$5000.00} at the same time as the {$1300.00}. XXXX offer. Why would I take {$1300.00} at 12.90 %? This is Constructive Fraud or IMPLIED DUTY OF GOOD FAITH TODAY SFFCU offered me {$20.00} to correct the interest of {$6.00} on the overdraft protection with new loan options which will r hi n my credot score. However, the issue is they gave me a loan lying about what it really was and deceived me on loan 81 also. I would not have taken it. I will need an email or fax to send documents.
Consumer complaint received 2020-10-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CO)

Dovenmuehin mortgage company in not posting my payments on time to get late fess from me. I call and as them why they did not cash the check they never got them. After I sent them with video proof. And now there are trying to raise my payment on a XXXX XXXX  XXXX XXXX a month and saying I am more behind then what I am. I have recorded all calls and this is stopping me from a refinance. And cosing me time stress and loss of money
Consumer complaint received 2020-09-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Without my authorization, on XX/XX/2020, XX/XX/2020, and XX/XX/2020, my PayPal account, which was directly linked to my bank account, withdrew {$990.00} in three separate transactions. These fraudulent charges, totaling almost {$3000.00} were illegally transferred to prepaid Visa gift cards. The scammers then converted the language to XXXX and changed the mobile phone number associated with my account. Neither the bank nor PayPal notified me regarding these transactional anomalies. I attempted to contact PayPal by phone, but was diverted to a live chat where customer service indicated that this was not an isolated incident and provided the above information, for which I have a screen shot transcript. When I pressed to have my money returned, PayPals customer service replied that they needed more time to further investigate the charges. After one week of going back and forth on chat, PayPal customer service then claimed that the, charges are valid. I emailed PayPals claims department, but my messages went unanswered. Using the chat tool, I asked to be escalated to a manager. Their response was someone would call me. I repeatedly asked for a direct number to their Theft and Fraud department. It too went unanswered. Frustrated, I sought help from my bank from where the money was stolen. The bank correctly determined that the three transactions were indeed fraudulent and re-deposited the funds back into my account. At that juncture, I assumed the situation resolved. PayPal had closed the message thread, but still had not followed through with any form of communication from either a manager or an  investigator. On XX/XX/XXXX, I logged into PayPal and discovered that I now have a negative $ XXXX. balance in my PayPal account. Again, I attempted to resolve this via the live chat, but all of my queries have gone unanswered. I am unable to close my PayPal account due to the ( now ), erroneous negative balance. I am concerned that this will adversely affect my excellent credit rating. PayPal has been uncooperative from the very beginning. This has cost me time - many hours spent attempting to resolve with PayPal and having to take time off of work to go into the banks branch to close the hacked account, then reopen a new account and cancel the credit card on file, money - cost of buying new checks and stress not only being hacked, but an uncooperative PayPal.
Consumer complaint received 2020-09-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

I applied for a refinance of my first mortgage on XX/XX/XXXX with an application fee of {$550.00} given on that date. We are now at XX/XX/XXXX and I have yet to have a decision made on my loan. This is a violation of the Reg B rule of a requirement of 30 days for an application decision. I have provided every request within hours of it being made. I asked for a refund of the application fee onXX/XX/XXXX since they cant make a decision on my loan and the application I paid for isnt being underwritten in a timely manner. No one will respond. I informed them I am aware they are in violation of the Ecoa rules With no reply.
Consumer complaint received 2024-09-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I opened a 13-month featured CD with Bank of America in XX/XX/year>, when interest rates were 4.41 % for 13-month CDs ( 4.5 % APY ), excluding the preferred rewards interest rate booster.

I recently checked the details of my CD and the listed interest rate was 0.05 % and the CD was input as a 12-month featured CD instead of a 13-month CD. Keep in mind that a 12-month featured CD does not exist. 

Even by today 's rates ( XX/XX/year> ), which are even lower, the interest rate they gave me would be extremely low. A 13-month featured CD has a rate of 3.92 ( 4.0 % ).

I called the customer service line and they tried to convince me that I signed for a 0.05 % rate, which is lower than I could get on a money market savings account. Even my interest rate booster based on my preferred rewards status would get me 0.04 %.

The cherry on top was that they then they forwarded my call to a support desk at a financial center...
Consumer complaint received 2021-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have recently been informed that there is negative information reported by Capital One in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report. Capital One has failed to validate this information and provide me with copies of any documentation associated with this account, bearing my signature. 

Please note as that sent XXXX letters to XXXX, XXXX, and XXXX that they have 30 days to complete this investigation XXXX months prior to this complaint, as per the Fair Credit Reporting Act XXXX XXXX ( a ) ( XXXX ) ( A ), and I have kept a careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am absolutely certain that the items ( Chapter XXXX Bankruptcy -Case Number : XXXX and Chapter XXXX Bankruptcy - Case Number : XXXX ). Please remove these inaccurate items from my credit reports. I disputed as incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to  investigate how these items were verified. I would like to see a complete list of all documents and correspondence within. Please include all names and contact information of employees that you spoke to as a part of this investigation and verification. Your company continues to have a dismissed and filed Bankruptcy on my credit report, this is an unconfirmed and unverified dismissed bankruptcy stopping me from obtaining credit. I know your company receives public record information from the third party XXXX XXXX. The XXXX XXXX is inaccurate and incomplete. I am asking for this verification because my credit score is important to me, and I believe that it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record ( XXXX, TransUnion and XXXX  ). Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. Very Respectfully
Consumer complaint received 2022-09-26
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. (NC)

XXXX XXXX # XXXX {$0.00} XX/XX/XXXX XXXX  XXXX XXXX # XXXX {$0.00} XX/XX/XXXX XXXX XXXX # XXXX {$0.00} XX/XX/XXXX THE FOLLLOWING ACCOUNTS ARE REPORTING ICORRECTLY
Consumer complaint received 2021-07-02
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: Experian Information Solutions Inc. (MN)

In XXXX of 2020 I was accepted into a property tax deferral program offered by the Mn Dept of Revenue. I am to pay a portion of my taxes and Revenue loans me the money for the rest. I sent my paperwork several times but here it is XXXX and XXXX XXXX  still cant get it corrected. I also sent them via a certified letter that I no longer wanted to escrow my taxes and insurance. I owe about XXXX thou on a XXXX thou house. Well, they want me to pay the full amount and this is even after the head of the program contacted XXXX XXXX. From XXXX until XXXX of this year I paid the full amount even tho I am supposed to get a break. In XXXX I paid just mortgage and interest. So they charged me XXXX rca fee and put my payment in suspense. Then they also told me that I couldnt use their bank app due to bankruptcy! I never filed for bankruptcy!! Then they lost the paper where I withdrew from escrow. So I am Re sending it again. I even was going to re finance my house with them and get just enough to fix it up but I wonder. I know they are large but I think whats happening is very unfair
Consumer complaint received 2021-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

the INFORMATION ON THE CREDIT REPORT IS NOT CORRECT AND I HAVE SUBMITTED MY COMPLAINT AND GIVEN THE COMPANIES ALL THE INFORMATION THEY NEED AND NEED MY REPORT CORRECTED. 


I HAVE PROVIDED MY ID I HAVE PROVIDE MY SOCIAL THEY HAVE MY ADDRESS THEY HAVE MY BIRTHDAY I JUST WANT MY CREDIT REPORT CORRECTED AND THE ITEMS REMOVED. PLEASE AND THANKS
Consumer complaint received 2019-03-19
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)

I was going over my credit report I noticed an from XXXX XXXX   BAL {$1800.00}, XXXX XXXX {$54.00}, I have never had an account or contract for service with THESE COMPANIES. I was recently a victim of fraud and I demand that they provide historical data regarding all consumer materials reported to any credit reporting agencies for my name XXXX XXXX. Since serious problems may be present in those files, I am compelled to demand that your company send all validation materials promptly. Moreover please attest that any third-party collection agency, if engaged, is bonded to collect in my state of residence due to unfortunate financial events related to my having been a victim of fraud. This is not a request for a non detailed overview. Instead, I am calling for a full verification. If this documentation can not be provided within 30 days, any detail sent by your company to the credit bureaus should be regarded as unreliable and may evidence a disregard for the Fair Debt Collection Practices Act or other applicable statutes. In that case, annul such consumer information without delay. Thanks sincerely for XXXX XXXX diligent examination of this matter.
Consumer complaint received 2022-10-08
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX *** 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 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any 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 he information is inaccurate.

Under U.S Code 1666B Billing error.
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION (MD)

This request is with XXXX XXXX of whom I have received a " charge off '' code on my credit report. Please note, I am fully aware of my responsibilities of this debt and in no way shape or form am I attempting to suggest a settlement to clear the debt. It was not until the months of XXXX thru XXXX of 2020 my payments took on stand still given the financial hit that occurred outside of my control. Since before those months I have never missed a payment or had any reason to. During those months I was contacted by XXXX representatives whom I would ensure them that I am seeking possible debt consolidation and/or other means of payment given the current crisis and they implied " ok '' we will note your account. At no time was I aware that my account was going in negative status leading to a harsh score on my credit report. I was under the impression that the payments were either deferred and/or put on hold just as other debt collectors were doing at that time. In the middle of a new house purchase I was caught off guard and now even worse possible without a place to live. Since finding out I have paid the full amount to bring my account in current standings and am requesting the " charge off '' code be removed to continue payments in good standing. Although this has been investigated via the bank and noted as not being a bank error I am asking for understanding in this matter as I was not fully aware of what was taken place. My credit score was XXXX and dropped immensley to XXXX given this code. I ask for a fair chance at regaining my current status as it is in this matter. Please take this complaint into consideration as I have not unknowingly committed such degree. I have worked hard for my credit as it depicts who I am as a person and have been a committed civilian of the XXXX XXXX XXXX for over 10 years. Thank you in advance for even taking the time out to read this digression. 

V/r XXXX XXXX XXXX
Consumer complaint received 2022-04-06
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: EQUIFAX, INC. (MI)

This company is reporting on my credit report and send me harassing mailers for 2 months now. I have checked with my current and initial services on many occasions and they have advised that they did not sell my loan. Meanwhile this company continues to try to collect. I make my payments to XXXX. I feel there is some kind of fraud at play. This company and XXXX are reporting the same loan on my credit report and this company balance is incorrect.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SECURITY FINANCE CORP (OK)

I requested the investigation and documents that prove I gave XXXX permissible purpose to furnish this account XXXX in my consumer report. They have not responded to my letter I sent on XX/XX/23 in which they received on XX/XX/23. This is a violation of the Federal Trade Commission & Fair Credit Reporting Act.
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (PA)

XXXX XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

Account type is reporting as Collection for XXXX and Unknown - credit extension, review, or collection for XXXX. XXXX  is reporting the date opened as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. XXXX is reporting the last reported date as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX and experian is reporting XX/XX/XXXX. These are a violations of my rights per the fcra
Consumer complaint received 2019-03-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (AZ)

Ive contacted the company multiple times in regards to remove the debt from my credit report. Ive asked for validation ; and received no response at all. Ive asked for validation as well. 
The first letter was sent XX/XX/XXXX Second letter was sent XX/XX/XXXX Third letter was sent XX/XX/XXXX XXXX
Consumer complaint received 2021-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (KS)

I have been trying for several months to have PMI removed from the account. I contacted the company via phone on XX/XX/XXXX. They told me to call back after 30 days, which would allow them time to investigate. I called again on XX/XX/XXXX and was informed that nothing had been done regarding the issue. I contacted the company on XX/XX/XXXX and was told that the problem appears to be that the system is incorrectly showing lender paid PMI. I have not heard anything more. In the meantime, we continue to pay PMI every month.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have consistently provided information to show I did not authorize inquires including a wrong address that is listed on my credit report. The agencies are not removing the information even with the proof showing the information does not belong to me. I have been denied credit, jobs and other services due to this lack of due diligence by the agencies. It has caused me many mental, financial, and other related health issues.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX Balance Owed : {$60.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$9600.00}
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/2022, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and sdsay it's mine. According to the FCRA, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.