davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-19
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC (NC)

Dear Consumer Finance Protections Agency staff, I took a VA house loan with Veterans United Home Loan company. XXXX XXXX was my loan officer. The first thing he did without my authorization was to pull my credit scores. I addressed this with their client relations/XXXX  XXXX. She admitted that XXXX XXXX should have never pulled my credit scores and she listened to the phone recording between XXXX and me. 

The final thing that XXXX XXXX did was to change my APR and money that was due back to me at the closing of my house loan.

Ms. XXXX, an attorney, sent a letter ( XX/XX/2021 ) asking for an explanation of why XXXX XXXX took it upon himself to make financial decisions on my behalf, without my knowledge, and at the end of the closing. I had received an email on XX/XX/XXXX after XXXX XXXX  EST that my APR and money due back to me had changed. 

XXXX XXXX, who is a client relations manager responded back to Ms. XXXX with excuses and acknowledgment that the loan officer ( XXXX XXXX ) made decisions that impacted my loan, by email on XX/XX/2021. 

I asked for the higher APR of XXXX because it allowed me to receive money back at my closing. I was able to claim my VA house inspection, termite inspection, VA appraisal, and earnest money. This equated to {$1900.00} back to me upon closing per the terms I agreed upon. 

I never asked for a lower APR -- I understand how compound interest works and that I was going to make larger payments towards my loan principal. I did not need to buy a lower APR. I am educated on how compound interest works. 

In the end, I did not get back {$1900.00} due to me, I received {$1000.00}, instead of what was due to me at my closing. 

I would like this matter investigated. It is not feasibly economical to continue with legal counsel. I don't want this matter to ever happen to another person. I will supply all documents as needed to support my claim. Thank you. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (OH)

This pre-pay Brinks MasterCard arrived in my mail without me EVER signing up or requesting the card. They did not just send a sign up but the actual physical card! In addition all phone numbers only lead to an automated system so I cant file a complaint with the company nor can I identify how they got my information, what information they have and how they are using/selling it
Consumer complaint received 2021-08-19
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. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My mortgage with Bank of America was refinanced with another mortgagee. The new mortgagee paid off my Bank of America mortgage as of XX/XX/2021 ( at which point I started paying interest to the new mortgagee ). My FHA mortgage with Bank of America did not have a prepayment penalty, and I provided Bank of America the required advance notice of my intent to pay off the mortgage. Bank of America received 2 full months of interest in the payoff. I have requested that Bank of America refund me the overpaid interest which is {$440.00}, but they have not. I explained to Bank of America how the COVID protocols and the Texas winter storm were the reasons that the payoff occurred on XX/XX/XXXX. Therefore, the interest that covers XX/XX/XXXX - XX/XX/2021 should be refunded to me. Bank of America is only entitled to interest for XX/XX/XXXX - XX/XX/2021 which is {$830.00} ( 39 days for the {$180000.00} principal balance at 4.25 % ) ; they received {$1200.00}. I am requesting your assistance with getting the {$440.00} overpaid interest refunded to me plus any additional assessment as a result of their delay in handling this request.
Consumer complaint received 2021-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

what the XXXX is going on? on XX/XX/2021. I sent you a letter regarding these inaccurate things on my credit report but to this day over 45 days already, I still got no response. I was told that the FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit nor get any response. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles. My information was impacted by XXXX data breach and may got into hands of the wrong person and its your obligation to fix all these errors.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

My mortgage lender is unable to pull my credit report because Equifax had a lock, a freeze, and some sort of identity verification on my account. 

I started a refinance process in XX/XX/XXXX it is now XX/XX/XXXX and the lender is still unable to obtain my credit report. 

I phoned Equifax, in XX/XX/XXXX to remove the lock on my account. Equifax processed the lock removal and I thought that all was clear. However, when the lender attempted to obtain my credit a fraud alert from Equifax prevented them from getting my credit. On XX/XX/XXXX, I called Equifax and was told the account had a freeze, so I asked for its removal. Once again, the lender attempted to access my report, and again Equifax had a block! This time Equifax told me that I needed to provide a copy of my license and Social Security card by mail or fax and that it would take up to 10 days to process! When I asked the agent why Equifax and only Equifax required this information, they could not give me an answer. 

I need this fixed because interest rates are going up and because of financial necessity.
Consumer complaint received 2021-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (MD)

I have been actively disputing Calvary Portfolio Services with regards to a debt that I do not owe. I have asked for verification of debt and only received a copy of a payment statement which does not constitute verification of debt. I was placed on probation as my security clearance is at risk with my job, I was given 90 days to clear this matter. Calvary Portfolio Services stated that I owe {$610.00} according to my credit report dated XX/XX/XXXX. I've written letter after letter and still have not received any verification bearing my signature and a contract stating that I owe Calvary Portfolio Services a debt.
Consumer complaint received 2021-09-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VA)

BBT received payoff for HELOC on XX/XX/XXXX from refinance settlement agent but had not yet been credited. In a conversation with customer service line on that day ( XXXX ) since my payment due date was XX/XX/XXXX they suggested making a payment to avoid late fees and I did so via online transfer to loan account. On XXXX customer service said payment on XXXX was still being processed and any overage payment would take 10 days for a mailed check from BBT. 

My complaint : I have multiple accounts with bbt and any overage should be repaid via account transfer and not a mailed check taking 10 business days.
Consumer complaint received 2021-08-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I wanted to raise to you a very problematic business practice being used by Bank of America with its customers. Today, I received an email ostensibly from Bank of America asking me to call into a XXXX number to provide all sorts of sensitive information about myself like SSN, date of birth, etc. The XXXX number did not match any public number for Bank of America when I XXXX that. At first, I assumed it must be a phishing attack. So I called Bank of America 's legit customer support number, and I told them about the email. As it turns out, it is a legitimate email from Bank of America. You might think, ok, so what is the problem then? The problem is that scam artists out there can very easily copy this sort of email and practice, and do the exact same thing Bank of America is doing, but instead, tell the customers receiving the communication to call into a scam number and provide their sensitive info to the scam artists that way. 

This practice by Bank of America has to be investigated and changed. Bank of America is putting their customers ' sensitive info at risk. Bank of America should not be sending emails out of the blue, unsolicited, asking customers to call in and give their SSN!! In this day and age, Bank of America should know better and they should have a more sophisticated and secure way of collecting and verifying their customers ' info. 

Can someone on your team please investigate this? I am happy to provide a copy of the email I received.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I filed a written dispute about fraudulent inquires with XXXX  and trans union I provided my police report my affidavit and sent it certified with my ID, Social Security. I received did not receive a sesponse. I then submitted a dispute on line again yesterday XXXX and today XXXX they send me a response saying they inquires are a factual record of fill they know its fraudulent and didn't even investigable because if they did they would know they are fraudulent. I contacted the creditors and was told they requested the fraudulent inquires to be deletd. XXXX  did not do any investigation what's so ever please review documents inclosed. They are in violation of reporting fraudulent and inaccurate information.
Consumer complaint received 2021-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (TX)

In XX/XX/XXXX My bank Bbva placed An inaccurate charge on to my credit report for a secured credit card. The problem is I put down a deposit of {$500.00} securing the credit card. My understanding was that with the initial deposit that if the card became late or delinquent the bank would remove the funds from the deposited amount. That never happened an its been on my credit report since the XXXX of XX/XX/XXXX. I have disputed, talked to a Mrs. XXXX on XX/XX/XXXX, a XXXX id # XXXX on XX/XX/XXXX, XXXX # XXXX ticket # XXXX she told me that the issue would be resolved, XXXX a XXXX XXXX brach supervisor, XXXX the XXXX XXXX brach bank manager this issue is still currently affecting me negatively XX/XX/XXXX.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Hi! 


i would like to file a complaint om XXXX XXXX, XXXX XXXX, XXXX  and experian because theese companies are reporting inaccurate information to my credit report. 

On XX/XX/2021 my insurance company sent check in the amount of XXXX, paid the account off in full. On XXXX XXXX I received a letter and check in the amount of {$120.00} attached from XXXX XXXX stating the car loan was paid in full and that I overpaid the account and they were refunding me. 

In XXXX, & XXXX I paid my car note even though my insurance company had paid the account in full in XXXX because I was advised my a XXXX XXXX representive that Even though they did receive the check on XX/XX/XXXX that my account had to be updated and it would take serval weeks in which i found that odd. 

I have never missed a payment and this error has effected my credit scores bad. I have called all 4 companies and have been unsuccessful resolving this issue.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my account : XXXXBalance : {$870.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXXBalance {$1300.00}
Consumer complaint received 2021-08-19
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: Social Finance, Inc. (PA)

I filed dispute case with sofi credit card {$9.00}. I was told the case would be resolved in 3 days on XX/XX/XXXX. I reviewed a mail from SoFi dispute department named XXXX, she told me dispute denied due to no rights of recovery. Unfortunately, we have no recourse in this matter. Her phone number is XXXX. Extension XXXX. I left her voice message, she never call me back. Customer service couldn't do anything.
Consumer complaint received 2021-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I noticed some inaccurate inquiries on my credit report with Transunion. I called them and they advised that I call the companies to request a deletion letter & to file an FTC report. The companies declined to do so. However, I did file an FTC report. I sent the report certified twice to the provided address and Transunion is still stating that they do not have record of it. The same person signed for it on XX/XX/XXXX and XX/XX/XXXX. I have called numerous times within the last few week and I am unsure what to do next. I have spent money sending mail certified and cant continue to do that.
Consumer complaint received 2021-08-19
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. (MD)

I submitted several disputes to TransUnion regarding an incorrect reporting by the Connecticut Department of Social Services who continues to incorrectly report my monthly payment history on a child support account that was opened fraudulently by the consumer reporting agency. The credit report shows that I have past due monthly payments in XXXX which is completely not accurate and erroneous. I have disputed this error numerous times with Transunion and the company is fraudulently reporting the errors as correct. Connecticut Department of Social Services has been garnishing weekly payments from my account to pay the weekly payments on-time since XXXX and therefore the payment history and credit rating disputed involving this reporting has been incorrect for the past 16 months that has caused other financial institutions to approve loans and credit cards because of the payment history that is being reported fraudulently and the errors not removed.
Consumer complaint received 2021-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was notified of a collection acct from XXXX  & Transunion credit agencies. I disputed the acct with both companies this XX/XX/2021. After both agencies investigated, the acct was deleted from my records ( the collection was for XXXX {$220.00} ). In XX/XX/2021 I received notification again from another collection agency for the same ( XXXX {$220.00} ), I disputed the acct again. XXXX  deleted the account again, but Transunion did not. I called Transunion and explained it was for the same XXXX  for the same amount just a different collection company, I asked them to look in my file for the prior dispute from XXXX, and they had a record of it, I was told to re-dispute it, so I did explaining all above. I just received the dispute results, after their investigation they verified its correct. Which its not, just because I lived at an address does not mean I ordered, used or paid for any services, as I explained in this dispute I did not. I chatted with Transunion asking for a written copy of my prior dispute in XX/XX/2021, they said they can not provide that. They sent me a one-time notice via email that I could and did see the finalized original dispute, I did not know I would have such limited access to my information. The dispute was filed online, I have no paperwork trail. I'm trying to fight a collection on my report that is not mine and feel this is an important document. Should I not have access? I asked for proof that I ordered, used or paid for this XXXX  ... ..of course they did not supply that because they can't. I do feel I should be able to obtain a written copy of a dispute. I know its not a huge amount but its affecting my credit. Thank you for your time and helping me with this.
Consumer complaint received 2021-08-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (GA)

We currently have excessive fraud to include mortgage fraud. We are requesting all documentation pertaining to property located at XXXX XXXXXXXX XXXX XXXXXXXX Ga XXXXThis house was stolen and sold in XXXX, My spouse filed Bankruptcy and the home was abandoned by the Trustee. The home was not abandoned by us. There were utilities on and the yard was being maintained. In addition, to our updated contact numbers and address. We were not notified of any court dates. My spouses bankruptcy case is still open.We have no documents regarding this loan with WELLS FARGO FINANCIAL GEORGIA , INC, INC We did not take out additional loans on the home. The home was purchased in XXXX. It was sold by XXXX XXXX XXXX located in XXXX Ga. We will told the home was foreclosed on however, this was not the case .XXXX XXXX  XXXX US FED BRC XXXX XXXX OF GA XXXXWELLS FARGO FINANCIAL GEORGIA INC ACCT NUMBER XXXX XXXX XXXX FOR YEAR XXXX. 
PLEASE NOTE PROPERTY LOCATED AT XXXX XXXX XXXX XXXX, XXXX GA XXXX WAS ALSO STOLEN
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

After thinking about purchasing a home, I decided to check my credit report. I instantly noticed Inquiries on my credit that I never applied for. I sent in a dispute letter with FTC form and a copy of my personal documents such as bank statement, driver 's license, and Social security card to verify my identity. I sent these letters and documents to XXXX, Equifax, And XXXX. Furthermore I called each company with the inquiries which stated to me to contact the Credit Bureaus to have them deleted. No one responded to my letters or deleted the Inquiries off my Credit report. 
15 USC 1681 ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681c-2 Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of_ 15 USC 1681d ( 4 ) A consumer reporting agency shall not prepare or furnish an investigation consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information.
Consumer complaint received 2021-08-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

MCM MIDLAND CREDIT MANAGEMENT SENT ME A LETTER COUPLE OF MONTHS AGO. THEY WERE REPRESTING XXXX XXXX  SAYING I OWED XXXX DOLLARS FOR XXXX XXXX XXXX  NOW I RECEIVE A LETTER THAT I OWE XXXX OFFERING ME A 10 % DISCOUNT. THE AMOUNT HAS TRIPLED. THIS IS A SCAM OR PREDETORY COLLECTION PRACTICES. 
THEY HAD A CLASS ACTION LAWSUIT IN XXXX AND ANOTHER IN XXXX.
Consumer complaint received 2021-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

Do not have any knowledge of this Credit Account on my XXXX, XXXX  and XXXX  credit file to Original company One Wall. Contacted them and confirmed debt is not mine however FCO will not remove from my credit file. Insist that closed account is accurate. Please assist and remove