davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/XXXX Bank of America home loan is paid off. First week of XX/XX/XXXXreceived the original note marked " Paid in Full ''. The 2nd week got a check for the balance in the escrow account in my ex-spouse 's and my name. My bank will not honor it. Mid XX/XX/XXXXwent to local bank with Divorce papers, Quit Claim Deed ( signed by my ex ), Declaration of Insurance ( even though I had roof repairs done from XX/XX/XXXX-filed claim through XX/XX/XXXX-finish. The bank had no problem signing the insurance check to only myself at that time. A bank officer took my legal papers and faxed them to the right department. The check will be sent in 2 weeks I was told. 
On XX/XX/XXXX after being passed along to many people and departments with very long hold times I was told I needed to sign an idemnity letter. To speed things along the organization faxed it to me and I signed it and faxed it back. They told me they had the faxed copy of my Divorce, Quit Claim and the Declaration of Insurance. I  was told 2 weeks I should have the check in only my name. It is now XX/XX/XXXX. I feel they don't want to pay my escrow money back because I paid my mortgage off early. I should also have interest/penalties on them for using my money without my permission.
Consumer complaint received 2018-03-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I applied for mortgage assistance/loan modification on XX/XX/XXXX Through Carrington Mortgage Services LLC. Each time I was told that I was missing paperwork or that my loan was in underwriting. I was also told not to make any mortgage payments or my mortgage assistance/loan modification would not qualify for help. I contacted the mortgage company weekly to biweekly for a follow up. not only for my modification but also for the insurance checks that I sent to be signed to pay the contactors who completed work on my house from Hurricane Harvey. Each time I called to see when the checks would be sent I was told that I was missing paperwork for the contractors o myself. Each time I sent the same documents. Now we are in the month of XX/XX/XXXX in which I called yet again to see if my modification was complete. I was told yes that I was denied because I have a low interstate. I never received a letter saying I was denied then on Saturday XX/XX/XXXX I received a letter from XXXX XXXX XXXX saying that my house is going to be foreclosed in the next 30 days if I did not make a payment in full. Then I asked about the insurance checks to pay the contractors and I was told that I would not receive those until XX/XX/XXXX in in three 25 % increments.
Consumer complaint received 2018-03-08
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: COOLEY ENTERPRISES INC (TX)

On XX/XX/XXXX I received a unauthorized inquire on my credit report from XXXX XXXX after reviewing this item on my credit report I contacted all 3 credit bureau to informed them of this inaccurate information. And they informed me that it was nothing they could do that I would have to contacted the XXXX XXXX XXXX XXXX and I contacted them and they did nothing but continued to transfer my call to supervisor and nothing was resolved due to this issue my credit score has  decrease even though it was not authorized for my credit to be ran. XXXX XXXX do not have a copy of my license nor anything to authorize approval for car. I would this information removed off of my credit report and my credit score to return to my accurate score. 

Credit Score IncreaseXXXXXX/XX/XXXX DescriptionCongratulations! XXXX  has reported that your credit score has increased by at least 10 points. Your updated score is posted below and will not be reflected in your Overview page until your next free score refresh. 
Next StepsKeep up the good work. 
Details Updated Score : XXXX Credit Score DecreaseXXXXXX/XX/XXXX DescriptionXXXX   has reported that your credit score has decreased by at least 10 points. Your updated score is posted below and will not be reflected in your Overview page until your next free score refresh. 
Next StepsMonitor what factors influence your credit score by logging into XXXX XXXX. 
Details Updated Score : XXXX.
Consumer complaint received 2018-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: WELLS FARGO & COMPANY (CA)

Negative reports such as Pre-forclosure still in XXXX and multiple late payment reports on my mortgage account considering they are receiving my monthly mortgage payment automatically sent by XXXX XXXX  through our checking account. I was never contacted so it was a complete shock to me and my family that we will homeless unnecessarily! 
I settled the issue with Wells Fargo in order not to lose the house and in good standing but because of these negative reports I can not get a mortgage loan after we already put out house on the market. I was told I could never get a new mortgage loan right now due to this.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Several accounts on my credit report have been resolved or closed, but they continue to appear as open or delinquent. The credit bureaus have not updated the status of these accounts despite my efforts to report the accurate information. I am requesting CFPB intervention to ensure these resolved accounts are removed from my credit report.
Consumer complaint received 2018-03-08
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: U.S. BANCORP (PA)

We moved from XXXX XXXX, XXXX to XXXX, XXXX in XX/XX/XXXX. We paid our bill with the moving company with a U.S. Bank credit card. 6 months later, in XX/XX/XXXX, the moving company charged our U.S. Bank credit card without our knowledge or consent. I did not know they charged the card until I received my credit card statement in the mail. It was not until well after the transaction was disputed and I filed a complaint with the XXXX XXXX XXXX that I learned a billing error occurred in XXXX, and they thought they could just charge my card without my knowledge to make up the difference. 

I called the credit card company several times, disputing the charge. I did not authorize it or sign for it. They told me that because the moving company produced a bill, that they would not reverse the charge. 

I notified them that they are obligated under the law to ensure each transaction is authorized. I asked them, if this was not the case, then why do point of sale transactions ask consumers to sign for each purchase? I was told that because I gave them my credit card information in XX/XX/XXXX that they could use it whenever they wanted as long as they could prove I owed that company money - whether or not I authorized the transaction. 

I was told by my credit card company on the morning of XX/XX/XXXX at roughly XXXX XXXX EST, by a man named XXXX in their dispute department, that they do not require proof of my authorization of charges. XXXX told me that it was only necessary for them to see a bill from the charging company, despite my authorization of use of my card not being anywhere on that bill. 

My credit card company allowed an unauthorized transaction to run on my card, and told me that my dispute was invalid even though I never authorized the transaction, and I was never even notified the charge was being made - or that I owed any money at all.
Consumer complaint received 2018-03-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Stewart, Zlimen & Jungers, Attorneys, Ltd. (MN)

I have XXXX XXXX problems. I lost my job. I have an old credit card with XXXX XXXX originally for overdraft protection that has an incredibly high interest rate that they tell me is high for all these weird surcharges. When Ive tried to work with them they wont help me and tell me not to close it or pay it off. I cant even pay one of the amounts now equal to a standard payment when I worked. They have served me at my door in a house where I am living with a relative. I do not have a home and just a car for assets. I have 12 days left on the summons to pay them {$10000.00}.
Consumer complaint received 2018-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (FL)

XXXX XXXX  and XXXX XXXX from citibank executive response unit are sending me letters with a presumption that i owe them something, the letters are evasive and misleading, I HAVE NEVER RECEIVED A ''BILL '' FROM CITIBANK OR A SWORN AFFIDAVIT TO SUCH MATTERS OF A ''DEBT '' OWED, THEY ARE KEEPING A SEPERATE LEDGER THAT EVIDENTLY IS A SECRET, THEY WILL NOT GIVE FULL DISCLOSURE, THE CHECK MAY HAVE BEEN UNPAYABLE FROM THE SOURCE WHERE I GOT IT,, BUT THATS NO PROBLEM BECAUSE THEY FUCKIN SOLD IT AND MADE OUT QUITE WELL AS I AM STILL INVESTIGATING THIS SECURITIES INSTRUMENT WHERE IS SHOWS MANY ROUTING NUMBERS PROVING TRANSACTIONS WERE IN FACT MADE AND PROFITS, CAN YOU TWO XXXX  CRIMINALS EXPLAIN TO ME ALL THESE NUMBERS ON THIS CHECK AND WHAT IT MEANS, OK, WELL I WILL EXPLAIN IT TO THE AMERICAN PEOPLE IN DUE TIME HOW YOU XXXX XXXX THIEFS LIARE RIPPOFS DO YOUR RIPP OFF BISNESS, , NOW STOP PLAYING GAMES, IF I OWE YOU ANYTHING SEND ME A XXXX BILL, XXXX XXXX  sent me a little book stating its the federal law that banks can keep the original check, WELL WHERE THE XXXX IS THAT FEDERAL LAW CITATION, ID LIKE TO SEE THAT ONE YOU XXXX LIAR
Consumer complaint received 2018-03-08
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. (NY)

All 3 credit bureaus show credit inquiries from XXXX XXXX XXXX which I have contacted all 3 agencies several times reporting this fraudulent inquiries. My credit reports should not contain any inquiries. My ex husband is using my name and I have reported it to All government agencies. Please remove these credit Inquires off my report as they are fraud.
Consumer complaint received 2018-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My identity was Stolen. since I found out I denounced it and the company what it does is send a letter saying that it is mine without sending me any evidence, since I asked to send me some proof that I am the owner of this account This is like other Accounts that were used fraudulently and I denounced them without having a correct answer, and damaging my welfare and putting my family at risk I know they are discriminating against me because I know that people of American origin they Help with their identities when they steal it his identity. 

I report this to XXXX XXXX POLICE REPORT DATE XX/XX/2017 CESE # XXXX
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am writing to formally request the blocking and deletion of unauthorized accounts on my credit report, as I have been a victim of a data breach. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am entitled to have these fraudulent accounts removed from my credit file. 
Please remove the following accounts from my credit report : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

I never receive statements until AFTER the due date. For example, I received an email statement stating due date was XX/XX/XXXX on XX/XX/XXXX. However, when I logged into the account, I was shown a past due balance and a missed payment. I also graduated with a XXXX XXXX XXXX in XXXX on XX/XX/XXXX. According to my exit interview and counseling with the US Department of Education I should receive a six month grace period before payments are due to begin. I have not received this with the company. They are also refusing to give me interest accrual information I have requested and are also refusing the grace period.
Consumer complaint received 2018-03-07
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi, I am writing to see if the credit report companies can show a sign a good faith in removing my credit inquiries on my credit report. I started a small business and had gotten denied for a business credit account by XXXX. My company is on hold until i can resolve this issue. I called XXXX twice and i am unable to convince them to open a business credit line for me. My credit score is in the 700 's  and i have never missed a payment. I also do not have any negative remarks on my credit report. Please help. Thank you.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recentlyreviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove this account from my report, they are hurting my ability to obtain credit. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 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 XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

**Company Information : ** - **Company Name : ** XXXX XXXX Bank XXXX XXXX ) - **Account Number : ** XXXX - **Date of Report : ** XX/XX/year> **Description of Complaint : ** I am filing a formal complaint against XXXX due to multiple inaccuracies in their reporting regarding my account, which is now closed and charged off. Recently, on XX/XX/year>, XXXX reported that I am over my credit limit on this account, despite it being closed by the grantor. This misrepresentation has caused significant distress and confusion about my financial status. 

Additionally, XXXX has reported my account with an incorrect spelling of my name, which is a clear violation of my rights. This error can complicate identity verification and impact my interactions with other creditors. 

I have also disputed these inaccuracies with XXXX, noting over XXXX unauthorized soft pull inquiries made by XXXX without my consent. Such actions not only violate my privacy rights but also suggest a lack of diligence in their reporting processes. 

Moreover, XXXX has reported active payments on my account for the period of XX/XX/year> to XX/XX/year>, claiming that terms were met, despite my not making any transactions during that time. This reporting is not only inaccurate but misleading, as it implies that I have engaged in financial activity when I have not. 

According to IRS guidelines, even if I did not receive a tax form XXXX, I am required to report canceled debt as income. This charge-off should be treated as income ; however, the way XXXX has reported this account is misleading and violates federal regulations. Per 15 USC 1681 S-2, they are prohibited from furnishing inaccurate information to consumer reporting agencies. 

In light of these issues, I am formally requesting that XXXX, Transunion, XXXX, XXXX XXXX XXXX  ( XXXX ) cant provide documentation verifying that these inquiries were authorized by me. Specifically, I request : XXXX. The name and employee number of the individual who authorized these inquiries during their initial investigation. 
XXXX. Documentation supporting the authorization, such as inquiry logs. 
XXXX. A signed application with my wet ink signature. 

If XXXX, Transunion, XXXX, XXXX XXXX XXXX  ( XXXX ) can not provide this documentation, I expect the inquiries to be removed immediately. 

**Impacts of Inaccuracies : ** - **Credit Damage** : My credit score has been adversely affected, making it difficult to secure loans or favorable interest rates. 
- **Emotional Distress** : The confusion and XXXX  caused by these inaccuracies have impacted my mental well-being and day-to-day life. 
- **Reputation Harm** : Misrepresentations have led to denied applications and a tarnished reputation with lenders.
Consumer complaint received 2024-11-02
Product: Credit reporting 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. 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 XXXX 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 help those who are victims of identity-theft. I request that an extended 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.
Consumer complaint received 2018-03-07
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: CITIBANK, N.A. (FL)

I contacted Sears and they agreed to remove the inquiry dated XX/XX/XXXX from XXXX XX/XX/XXXX from XXXX  was done in error. I did not authorize Sears/Citi cards to do a hard credit pull for a credit limit increase. I have attached the letter showing my credit was not pulled due to a FRAUD ALERT on my account.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been calling XXXX  and Transunion to remove or at least update my XXXX  XXXX XXXX  Personal Loan item from my Account. 

The account was paid in full XX/XX/XXXX, however my credit reports now says that the item is over 120 days unpaid which is not true. I am submitting an authorized letter from XXXX XXXX XXXX  stating that the account was paid in full XX/XX/XXXX. 

Please have this updated to the correct status or remove it completely because it is full of inaccurate information.