davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (MD)

Like many Americans, my financial situation was impacted due to the COVID-19 pandemic starting in XX/XX/XXXX. Our XXXX income was down 30 %. When the CARES Act passed in late XXXX, I called U.S. Bank and XXXX XXXX ( our home equity loan servicer ) to ask for help. Your agents were helpful and comforting during an extremely uncomfortable time and I was placed on a COVID-19 forbearance program in XX/XX/XXXX. 
I kept in touch with U.S. Bank throughout XXXX, either by taking your calls or calling to update our financial situation. We paid what we could while on the program. At the time, I thought the U.S. Bank COVID forbearance program was a godsend because we were able to keep our children safe, healthy, and fed, without fear of losing our home. Now, I no longer have that faith in U.S. Bank. 
My trust in your company began to erode in XX/XX/XXXX when I started what I thought would be an easy process to resume my mortgage payments. Our financial picture returned back to normal and we were ready to resume our mortgage payments. I called on XX/XX/XXXX and was told by a U.S. Bank Relationship Manager in order to resume payments and have my deferred amount moved to the back end of my loan, I needed to submit a Request for Mortgage Assistance application. I questioned this as all the literature U.S. Bank sent while we were on the forbearance stated I just needed to call to select an option and begin paying. I was assured this was the process. I have since submitted THREE applications, all requested by different Relationship Managers. At one point in XX/XX/XXXX, I was told by a manager in the XXXX XXXX unit ( XXXX XXXX ) that the past RMs were not processing the right code for a COVID forbearance due to a system glitch. He assured me that he will make this right because this was the banks error. After not hearing back from XXXX XXXX, I called again only to be asked to submit another application. I again was assured was needed to process my COVID deferral and begin to pay my mortgage again. I just received a letter dated XX/XX/XXXX that not only will U.S. Bank not defer my COVID payments but the only option I have is a Short Sale. 
As an aside, XXXX XXXX immediately allowed me to resume my monthly payments and adjusted the deferred payments. Without question and in one phone call.
Consumer complaint received 2022-02-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I booked airline tickets through the bank of America travel center and paid with my credit card Booking Date Order ID XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} Order Total {$1500.00} I canceled the tickets with XXXX on XX/XX/XXXX and they confirmed that they refunded the total amount of {$1500.00} to the Bank of America travel center account on XX/XX/XXXX, bank of America did not refund this amount to my credit card and refused to do so when I called them on XX/XX/XXXX and on XX/XX/XXXX, I have no other way to get my money back and I am seeking your help. 

Thank you XXXX XXXX
Consumer complaint received 2022-07-12
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-02-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (OH)

On XX/XX/XXXX, I applied to a company for a loan to refinance my property. I chose this company because I had received offers from them, I thought they were reputable, and I already had a credit card with them. When we refinanced the last time, in XXXX, we supplied our income and other bills we wanted to include. This time I was asked to do the same along with a request for reappraisal ( at cost of {$580.00} ), copies of last two months checking accounts, copy of savings account, copy of 1040, copy of my late husband 's death certificate, mortgage statement, copy of homeowner 's insurance, copy of HOA XXXX  dues, copy of property taxes for all property owned and, to top it off, a complete copy of our Family Trust of over 90 pages with attachments of 9 at a cost of {$1.00} a page at XXXX . ( Fortunately a friend did it for much less. ) As you can see, there was a lot of back and forth for two and a half months. Five states were involved in the proceedings. Then, on XXXX XXXX, XXXX, I was notified that the loan had been denied. My property is situated on a lakefront in a most desirable part of Ohio. Several homes have sold for over a XXXX. Appraised at over $ XXXX, for a loan of {$130000.00} seems like a good deal if I were doing the lending. Oh yes, I am XXXX.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated XXXX XXXX ( XXXX ) XXXX  ) by failing to mark this disputed account as disputed XXXX ( XXXX ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating XXXX XXXX per the XXXX opinion.
Consumer complaint received 2024-10-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

I require PORTFOLIO RECOVERY To answer and provide me with the documentation to the following questions : What was the Max the application was run for? 

How did the all caps name get from the account receivable at receiving my card and then swapped to account payable turning my credit card into a debit card? 

Provide the original instrument on the underlying obligation. Unless it's normal business practice for PORTFOLIO RECOVERY to restrict trade and performance. 

Who is the original creditor? If PORTFOLIO RECOVERY is not the original creditor, then I require PORTFOLIO RECOVERY mandatory license, Insurance and bond information to be a qualified debt collector, to indemnify me for your commercial liability for making a false claim against my estate. 

Provide the ( GAAP ) generally accepted accounting principles for this account. 

Provide a certified copy of the Ssa-89 form prior to the initiation of this account.
Consumer complaint received 2022-02-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I previously filed a complaint with CFPA on Navy Federal. Navy Federal responded back saying they would make the process better and fulfill me with better service. They have not. I have been asked some questions twice and others XXXX times. It has taken over a month to try and get an appraisal. I was asked if l would accept an appraisal fee of XXXX something dollars. A typical appraisal where l live is {$350.00}. I accepted the high fee in hope of closing the mortgage before another hard inquiry ensued. I have just been informed the rate lock will expire XX/XX/XXXX and l may pay what ever market rate is. I first began the process of a mortgage with Navy Federal in XXXX of XXXX I view the mortgage division as a giant slow moving machine with many broken parts! My experience has been terribly frustrating. Implementation of the mortgage procedures has been grossly ineffective and grossly inefficient. I was hoping and expecting a better experience and outcome. Sadly this has not materialized and l am thinking of calling it quits in exasperation. I profusely regret my decision to use Navy Federal. I do not think the institution can fix anything at this point, being so badly of a broken mortgage company.
Consumer complaint received 2024-10-17
Product: Credit reporting 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: EQUIFAX, INC. (MD)

I submitted disputes with XXXX, Equifax and XXXX in early XXXX, these disputes completed at the end of XXXX with positive results for me ( accounts were deleted ). I have received updated credit reports, but the credit score has not been updated. I contacted the credit bureaus MULTIPLE times and have either been given the run around and/or being gaslit by representatives. I then contacted myFICO and found that the credit bureaus are not or have not submitted the updated information to myFICO, which is why my credit scores have not been updated.
Consumer complaint received 2022-02-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL RESOURCE MANAGEMENT, INC. (NY)

This is to Capital Resource Management ( CRM ) Address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX. 
Amount of debt : Date of service : Provider of service To whom it May Concern, I received a bill from you on or about XX/XX/XXXX and as allowable under the fair debt collections practice Act, I am requesting validation of the alleged debt. I am aware that there is a debt from ( name of doctor, hospital, clinic, nurse, emts, fire department, police ) but I am unaware of the amount due and your bill does not include a detailed breakdown of any fees. 
Furthermore, I'm allowed under the HIPAA law ( Health and Insurance portability and Accountability Act of 1966 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I understand that HIPAA does allow for limited information about me but any detail may only be revealed with the patient 's authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization. 
Please provide a breakdown of fees including any and collection costs and medical. 
Please provide a copy of my signature with the provider of service to release my medical information to you. 
Immediately cease any credit bureau reporting until debt has been validated by me. 
Please send this information to my address listed above and accept this letter as allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my 2nd written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 
Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the fair credit reporting act, which can allow me to seek damages from a collection agent. 
I await your reply with the above requested proof. Upon receiving it. I will correspond back with you by certified mail.
Consumer complaint received 2022-09-02
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. (AL)

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX Account # XXXX ), has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-24
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)

Hello, My name is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-02-14
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. (OH)

i was told i was getting paperwork to fill out and never received the documents. this is not my debt and i never lived at the property in question. i was a victim of identity theft, some unknown person rented an apartment without me knowing. and without my permission.
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TX)

Hello, Few months ago someone opened an account using my personal information which I did not see until a few days later when I received an email alert from my bank that I got a new account opened and had new inquiry. Then I quickly responded to that by putting a criminal watch on my credit on all the XXXX credit bureaus then I quickly opened a case with each credit card company to close the account because it was fraudulent and I never opened it. Later after XXXX days I got a mail saying I am responsible for the credit card opened and everything I have to pay for. I am not responsible for anything on these credit cards because I have never opened an account there neither do I even have purchase history of me buying anything at those stores. After looking further the items were bought from stores that are super far away from my house when I have around like XXXX branches around my own house. It is unfair for these companies to just do a small investigation and just make a decision depending on that. I will be opening a police report in the next few days and probably will hire a lawyer to get this situation sorted ASAP. There are no evidence or claims that these accounts are owned by me so I don't know how they considered that they are my responsibility. 

thank you
Consumer complaint received 2022-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

On XX/XX/2022 I received a final notice from the XXXX XXXX XXXX regarding one of two parcels encumbered by my mortgage. My property taxes are escrowed and to be paid by my servicer, PHH. I called PHH and was instructed to email " XXXX '' with my loan number and relevant information- I did and did not receive a response. On Monday XX/XX/2022 at XXXX PM CST I sent a picture of the final notice to the above email and to " XXXX '' per PHH instructions with a request for update and timeline for payment - I did not receive a response. After calling PHH again at XXXX PM CST, I was instructed to resend the email to the escalation support email with the subject " Loan Number : XXXXXXXX ; Attention : XXXX ; Agent ID XXXX '' - I did. The agent on the phone, XXXX confirmed receipt and said he would get back to me with an update. I did not hear back from XXXX. 

On Wednesday XX/XX/2022 I sent a follow up email to escalation support asking for an update. I did not receive a response. At this point, the notice of the the delinquent amount and my name had already been run in a local newspaper and if the amount was not paid by XX/XX/2022 the property would go to a tax sale. 

After several more calls I was always told the tax department was working on it and they didn't have an update or estimated timeline for resolution. This was of course highly concerning giving the urgency of the matter. I did finally receive a call back on XX/XX/2022 - but to my dismay, the update was that they did not have an update or timeline for resolution. 

Fearing that nothing was being done and that no resolution was in sight, I paid the property taxes out of pocket on XX/XX/2022. I sent PHH a receipt for the payment, requested reimbursement and expressed my dissatisfaction with the entire process and lodged a formal complaint ( via email ) with a XXXX business day timeline for response. I have not received any form of response. PHH has not acknowledged my complaint, or attempted any resolution on this matter. 

PHH has shown a total disregard for my issue. I'm clearly just another file to them, but if this is how they treat their customers, something needs to be done. To be clear, I did not seek out PHH for a loan, my original lender sold the loan which was then sold again to PHH. If I had any say in the matter, I would never conduct business with PHH
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act ; 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 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act ; 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 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act ; 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 2022-04-24
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. (CO)

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

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

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX
Consumer complaint received 2022-07-11
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. (VA)

I had a loan with XXXX and even after I lost my job as of XX/XX/XXXX and still was making my payments on time to them and there were no late payments during this time at all even though they reported me late several times and still are with regards to my 3 credit reports. 

The vehicle was totaled as of XX/XX/XXXX and XXXX received a payment from XXXX XXXX XXXX in the amount of {$16.00}, XXXX. The balance on my credit reports needs to be updated to reflect {$0.00} ASAP along with all the points returned to me that I lost as a result of the derogatory info. being reported and affecting me negatively. 

XXXX is also currently under investigation with NCUA regarding this matter as well and I have not heard anything from XXXX regarding this matter or the check that was received as a result of this matter the case number is XXXX.