davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2020-05-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I have ( 2 ) VA XXXX Loans serviced by Carrington Mortgage Services. We were current on our loans prior to the GA Governor issuing a " stay at home '' order. I have requested Covid-19 assistance from the servicer with a 3 month forbearance multiple times. The requests were made XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I have made the attestation that we have been impacted by the Virus as required by the Cares Act. They have charged late fees and are now requesting a 6 page application be submitted along with a tax return, paystubs, and bank statements to even consider offering any assistance.
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CA)

I paid for merchandise in XX/XX/2018 that was never recieceived. My credit card company originally credited my account, but in XX/XX/XXXX took that credit back. I tried to close my account but they refuse to close it, so late fees and interest continue to pile up on top of the fraudulent charge previously mentioned.
Consumer complaint received 2022-12-27
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. (MS)

XXXX XXXX XXXX XXXX account XXXX In accordance with the fair credit Reporting act XXXX  Account XXXX has violated my rights 15 USC 1681 Section 602 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1666B : A creditor may not treat a payment on a auto loan account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-03-05
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. (TX)

In XX/XX/XXXX, I discovered inaccurate information reported by Experian ; particularly, that for the months of XXXX, XX/XX/XXXX and XXXX, XXXX, XX/XX/XXXX I was reported 30, 60, 90 and 120 days past due by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I disputed the information in accordance with Experian 's established procedure. In XX/XX/XXXX the information was refreshed with a response only that XXXX had verified the information. 

I attempted to contact both XXXX and Experian to submit to me the what information verified I had an account with them. 

I contracted with XXXX XXXX XXXX to assist me in this matter. In XXXX, the information refreshed again on the credit report in response to inquiry by XXXX. However, I did not receive any documentation to support the delinquencies or my responsibility to this account. I followed advice and sent two letters, one by certified mail, to request information to substantiate how I was fiduciarily responsible for what they reported, to include any documents signed, when I was informed ; and, if there are no supporting documents, this information was to be removed. 

Since XX/XX/XXXX has not sent any supporting documents, accordingly, information was to be removed within 60 days by Experian ( see attached letter ). As of XX/XX/XXXX, more than 90 days, later, the information has not been removed. I have not receive any response or further information from XXXX or Experian. 

Furthermore, I have a paid service with Experian, and I am still not able to get in contact with a person through chat or telephone to resolve this matter. 

Before, going directly to an attorney, I was advised to go through your agency and the Federal Commission on Insurance and Banking.
Consumer complaint received 2021-03-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (PA)

over 2 years ago i started an account with an online brokerage firm called RobinHood.com fast forward to about 3 months ago and i get locked out of my account because they quit using email verification, so i contacted their customer support via email and fought with them for about 2 weeks over this issue to no avail, so i contacted another company called XXXX who sent me some account transfer paperwork which i filled out and sent back to XXXX who then sent it off to robinhood 's headquarters about 2 months ago, robinhood ignored the transfer and so XXXX sent a letter to them to follow up which was ignored and they sent a second letter which was ignored and now they are going to send a third letter which will probably be ignored. as a result i have called many lawyers who mostly tell me they dont know what to do and 1 that said i should contact your offices, the sec, and if that doesnt do anything then to contact the FBI and press charges on robinhood. also i went to robinhood 's website yesterday XX/XX/21 to email their customer support to let them know that XXXX was trying to get ahold of them, only to find out that they changed it so that you cant email them unless your logged into an account which im locked out of, as a result if i wanted to contact them i would have to go to their headquarters in California to do it, because i couldnt just send a letter it would be ignored. all i want is my money back.
Consumer complaint received 2021-03-05
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: CITIBANK, N.A. (NY)

On my reports there is a closed account with huge amount of missed payments. CITICARDS CBNA XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CITICARDS CBNA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Long & Foster Financial Services, Inc. (WI)

My husband and I refinanced our mortgage on our primary residence in XXXX, reclosing on the new loan on XX/XX/XXXX. 

Our primary goal was to get rid of PMI on our loan, though we also sought a lower interest rate, lower monthly payment and would have liked to get some cash out to pay off a vehicle. We could have done a streamlined refinance through our existing lender to simply get rid of PMI at considerably lower cost. 

We live in the City of XXXX. Last spring, the City raised taxes exponentially. The notice of " proposed '' property tax increase was sent to all property owners, and well-publicized around XXXX ; it was covered in the mainstream media, and well known to industry professionals. We challenged the property valuation, and brought the valuation down by approximately {$25000.00}. Nonetheless, our property taxes increased by {$1000.00} between XXXX and XXXX. This was not a surprise. 

The lender was only able to offer a modest reduction in our interest rate, from XXXX with our previous lender to XXXX with the refinance. PMI would be removed, we could not get cash out. The representation in reduction in our monthly payment was largely due to an underestimation in our property taxes, which we did not realize were based on our XXXX property taxes. So while our total monthly payment, including principal, insurance and property taxes, would go from {$1400.00} to {$1100.00}, that was based on inaccurate information. Now, less than 6 months after we financed an additional {$6000.00} into this loan due to this refinance, we received notice that our escrow account is inadequate, and our new payment will be {$1200.00}. Had we simply done a streamlined refinance with the original lender, eliminating the PMI in the amount of {$100.00} per month, there was no reason to incur the additional debt for a half percent savings on the loan. 

I brought this complaint to the mortgage broker, Prosperity Home Mortgage. The Senior Mortgage Consultant, XXXX XXXX told me that, " by law we can only collect escrows for what is actual at the time and the only tax bill available was for XXXX since the XXXX tax bills don't come out until XX/XX/XXXX. '' She has since stopped returning my calls since I asked her to identify that law, since I do not believe there is any such law. Her statement is inconsistent with the law I found, which provides that escrow can provide a discretionary 20 % cushion for such increases, in addition to which WE HAD NOTICE of this increase. This industry is based on speculation. For something as certain as taxes, it is absurd and irresponsible that they would not request the data we had available, and rely upon it. 

We were misled, and now incurred a needless {$6000.00} of expense. I am requesting refund of the fees paid to this company, for either intentional or negligent misrepresentation.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Company In Violation ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX Shown on Credit Report ; Original Charge Off Balance XX/XX/XXXX : {$14000.00} Balance Shown on Report XX/XX/XXXX : {$18000.00} Highest Charge Off Balance XX/XX/XXXX : {$23000.00} Hello CFPB, XXXX XXXX has continued to add INTEREST to the charged off balance on my credit report. I called and asked XXXX XXXX if they could report the correct information base on our payment agreement and they REFUSED. XXXX XXXX has refused to report the correct information on my credit report. This has caused my credit score to drop. Additionally on XX/XX/XXXX XXXX XXXX added a UNAUTHORIZED inquiry to my credit report which was later removed. 

On XX/XX/XXXX I entered into payment agreement with XXXX XXXX to pay the debt as stated in the attachment. The amount shown on the letter is for {$17000.00}. I paid XXXX XXXXXXXX a LUMP SUM of {$5000.00}. I have made 4 monthly payments of {$100.00}. XXXX XXXX still has INACCURATE information on my credit report. The current balance should be {$11000.00} as of XX/XX/XXXX
Consumer complaint received 2021-03-09
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: Santander Consumer USA Holdings Inc. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-03-09
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: Experian Information Solutions Inc. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Consumer complaint received 2021-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Link Management, LLC (FL)

Capital Link Management LLC sent a text message to phone numbers I never supplied the original company exact amounts of debt alleged and payoff options. This was sent to Family and friends. This was a debt where the card was compromised and used for online purchases that were not mine.
Consumer complaint received 2021-03-05
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FULTON FINANCIAL CORPORATION (MD)

We closed on a mortgage for a second home on XXXX XXXX with Fulton Mortgage. Information in the closing documents is inaccurate. 
( 1 ). Closing documents said first payment would be due on XX/XX/XXXX for {$970.00}. We received a billing statement for payment on XXXX XXXX for {$1200.00}. 
( 2 ) .The Closing Disclosure says that our property taxes are included in the escrow. They were not. We have already had to make a separate property tax payment {$1300.00}. 
( 3 ). There is a document in our closing packet titled ARM Construction/Permanent Mortgage with Conversion Option that explains the process of converting our ARM to a permanent fixed rate. When I asked our loan officer about it, he said that they don't offer that option. 

I have spoken to the loan officer. He couldn't explain the discrepancies in payment dates. He told me to call the phone number in the closing documents. I have called twice ( first call was over a month ago, second call was last week ) and spoken to two different people that took my information and said that someone will be in contact with us. They have not been in contact with us. The loan officer has responded to calls and emails, but his response is that he doesn't know why that paper was in the closing documents because they do not offer that option.
Consumer complaint received 2021-03-09
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: Experian Information Solutions Inc. (IL)

I paid the derogatory account in full. {$73.00} to be exact. The company acknowledged the payment on my credit report however, it still showed as a derogatory account on my credit report. XX/XX/XXXX I disputed the info and it was removed 2 weeks later. 

Now XX/XX/XXXX they have reinserted the information to my credit report still showing derogatory. This is illegal and needs to be removed IMMEDIATELY!
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (LA)

My vehicle was stolen and after the investigation my insurance company along with gap coverage were to pay the vehicle off. Santander reached out to me letting me know that I had nothing to worry about while everything was in litigation. Santander also told me that no more payments were needed to be made on my part. Now, on my credit report Santander has reported 2 missed payments and kept accruing a daily interest into the car loan. This is hindering the loan from being paid off as well as affecting me from being approved for a mortgage loan. I have reached out to Santander to correct this problem and they refuse to fix their era.
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

We have been customers of Bank of America for over 20 years. Today XX/XX/XXXX my husband tried to use his debit card this morning to buy coffee and it was declined, the cashier stating that it says that his debit card may have been reported stolen. I called the Bank of America where we have 3 checking accounts and 3 saving accounts and 6 credit cards and they said that they are closing all of our checking and savings accounts today because bank of America is deciding to end its relationship with us. They didnt give me any specific reasons for this, and after I called a few more times to see if I can get more answers I found that they were only closing the checking and savings accounts and not any of our credit cards. I went into a branch to talk to someone and withdraw a little bit of cash a few hours later and they called the bank and they gave them the same reason of why my account was being closed. I was unable to withdraw any funds from any of my accounts which left us with no money. They stated our direct deposits from our jobs that we had coming in there for the last 10-15 years and all the bill pays would be rejected.

Both my daughters accounts that I am a signer on were also affected and closing. My XXXX XXXX XXXX daughter was a victim of fraud from a job she attempted to apply to almost exactly a month prior, I called to ask if this was the reason and that we were the victims of it and the department was still unable to give me any information about it stating they would close our accounts and mail us any balance due. We are now left just waiting with no access to cash and auto payments being rejected. I am due to give birth in 2-3 weeks and bank of American cant give me an explanation of why my funds are not accessible and why they are deciding to not do business. I asked if I did something wrong to just tell me and maybe I could give more explanation. The money in there is from our payroll jobs that we have been getting deposited there for the last 10-15 years.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MORGAN STANLEY & CO. LLC (SC)

Mortgage account with Morgan Stanley Home Loans was in forbearance. I sent a check in XXXX to pay off the deferred balance. The company still has not applied the payment I sent. This is preventing me from obtaining further credit and costing me thousands of dollars in additional interest expense.
Consumer complaint received 2022-06-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



XXXX ADDRESS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employer : WORK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collection : XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX  Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Collection : XXXX XXXX XXXXXXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XX/XX/XXXX