davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMA Advisors, LLC. (NY)

Homebridge mortgage was handling my homestyle loan. We applied XX/XX/2019. We were not approved for the homestyle renovation loan, however we were told we could apply for a FHA XXXX loan given the credit requirements. We gave in all necessary documents requested. We were supposed to close this week XX/XX/2019 or next week. We had all documents in within a timely matter however the loan originator and processor were completely incompetent. They lost documents sent via email which is very alarming. We had to resend documents and we had no communication as to a precise timeline or what was happening next. There were misleading expectations of a 45 day closing timeframe. Simple promises saying they would return calls or emails the same day but we wouldn't get a call until 3-4 days later. When they did return calls there would be apologies, sorry I was in another customers file, and more and more excuses. 
We had to call and follow up and even call upper management to complain. We said we no longer wanted to deal with the loan originator. However they continued to handle our loan. This upset the loan originator and they even said, " well you calling managers, CEO 's and executives ''. We just wanted to know if we were approved so we can either move forward or move on. The loan originator told us we were approved and gave us a commitment letter with items to satisfy prior to closing. The loan processor told us that they would not order appraisal ( {$490.00} ) or advise us to move forward with the HUD inspector ( {$1000.00} ) without the green light from underwriting. We sent several emails and called several times to find out when was our closing date Monday XX/XX/2019. 
Today, XX/XX/2019 ( 94 days since application ) we were advised via email after that they had good news and bad news. The underwriter can't move forward with the loan because of withdrawals from the home equity line of credit we have on the house. It had to be subordinated. Shouldn't the loan originator or processor told us this when we first submitted the documents for the loan? Now, we are out {$1400.00}. Due of incompetence. The miscommunication and level of unprofessionalism is ludicrous. In a nutshell 94 days of our lives were wasted when this could have been communicated to us at minimum 10 days after underwritting recieved the documents. We even have the upper management on voicemail saying he'd do what he had to do to get it to closing.
Consumer complaint received 2023-03-06
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. (MD)

Accounts XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Upon my review of my consumer reports it has come to my attention that you ( Experian ) are reporting 2 Bankruptcies account/accounts to my consumer reports that were supposedly investigated and verified ; however upon communication with the bankruptcy courts, the courts advise that they do not report to the consumer reporting agencies ; therefore it was impossible for Experian to validate if the courts is communicating they dont validate or report Additionally I did not give Experian express permission or permissible purpose to report. 15 USC 1681 b ( 2 ) As a consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 16 801 I am exercising my right to opt out of having my information reported pursuant 15 USC 6802 B Your actions has caused me and my family severe mental anguish, defamation of character Experian have stolen my identity, violated my consumer rights, my right to privacy and the obligation you have to maintain the security and confidentiality of my private information. 

18 U.S. Code 1028A- Aggravated identity theft Whoever during and in relation to any felony violation, knowingly transfers, possess, or uses without lawful authority Furthermore you have no lawful authority or permissible purpose to put any account on my consumer reports 15 US Code 1681n- Civil liability for willful noncompliance In general, any person who willfully fails to comply with any requirement out of this subchapter is liable to this consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-03
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 (TX)

On XX/XX/XXXX a charge to XXXX XXXX  XX/XX/XXXX PURCHASE XXXX XXXX NV for the amount of {$840.00} was taken out of my account. I contacted the merchant on XX/XX/XXXX when I realized the charge, I immediately called the hotel to get refunded. The hotel advised they would issue the refund, I never received my funds back so I contacted the hotel again via phone and they advised me to contact BANK OF AMERICA. 

I filed a dispute with BANK OF AMERICA on XX/XX/XXXX and was told I would receive my funds in 24-48 hours due to it being expedited due to hardship since my account is now in the negative balance and the funds are intended to go towards my rent which I am now days late on. I have called countless times over the back week to get an update on my funds that are supposed to be accredited temporarily and I have received extremely different feedback from every representative and supervisor that have answered my call, some say my hardship request was approved and I will receive my credit in 24 hours and an equivalent amount say my request has been denied or is still pending. 

I am filing this grievance because I dont know what to believe anymore. I feel like I am constantly getting lied to by the representatives and supervisors at BANK OF AMERICA, and now I am in extreme fear and anxiety of facing homelessness because I can not accurately provide my landlord a request to pay at a later date since no one has been able to give me an accurate status or timeframe on my credit. 

Please help me, I really need the credit expedited to my account as soon as possible. I am extremely desperate.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts that are included in the letter have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-03
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. (CA)

Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15USC 1692g ] stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( Experian, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). 

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST.

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2023-03-06
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: EQUIFAX, INC. (GA)

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

XXXX # XXXX XXXX # : XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

There is a need to insure that consumer reporting agencies exercise their Grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I sent the credit Bureaus asking them to verify the debt on my credit report. They sent back a letter stating everything is verified I called them and told them theres still inaccuracies on multiple accounts and they said they cant do anything 15 U.S. Code 1681s2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX XXXX  account XXXX XXXX
Consumer complaint received 2023-03-03
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. (FL)

The payment was due XX/XX/XXXX  and on XX/XX/, they reported the payment as 30 days late. Anyone with a calendar can tell you that 3 doesnt equal 30. This bank engages in so much fraudulent activity, I shouldnt have to have 2 complaints opened about them.
Consumer complaint received 2023-03-03
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. (MD)

XXXX XXXX removed collection remark from my credit report. XXXX. I filed a claim with the consumer financial protection bureau about another issue. XXXX XXXX has changed the remarks back to collection and the address that they are reporting from is a Virginia address. It used to report as XXXX Maryland but since I launched an investigation they have since switched the address on my credit report to a Virginia address. It is unlawful to get a loan in another state where you do not reside. As there are laws in that state that protect their people and the laws are different per state. They know they are wrong for doing this and I want them to change it back to XXXX, Maryland where they were originally reporting from. I did not get a Virginia loan. Branch that I paid my payments to what's located on XXXX XXXX XXXX and when I called I always go to a representative at that branch and if there was an issue they would transfer me to XXXX Maryland. I believe they changed the address so that they could change the remarks again and avoid detection. What they are doing is unlawful.
Consumer complaint received 2020-12-12
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. (TX)

On XX/XX/2020, I sent letters to XXXX  and Equifax regarding inaccurate and unknown things on my credit reports to XXXX  and Equifax. To this day over 30 days later. I have not received a response at all. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it states that, failure to investigate these items within 30 days and gives a reason to immediately remove those items from my credit reports. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to stress you have caused me. My information may have been impacted by the Equifax Data Breach and may have gotten in the wrong hands.
Consumer complaint received 2023-03-03
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: Experian Information Solutions Inc. (WA)

XX/XX/XXXX I had an interview for a job offer from work from home customer service over telegram messaging from a manager named XXXX XXXX from XXXX XXXX She asked me to introduce myself so I gave my name and where I'm from and what position I'm applying for. Then she gave me information about the company and what my job and responsibilities are if I'm hired. Then she started interview questions also asked what bank I bank with and asked if they do mobile deposits.Then asked me to wait while she send my interview questions to a hiring manager. Told me i was hired for the job and how much i will be getteing paid. Then asked for my personal information name, DOB, phone number and email address and home address. Also a picture of my ID and a picture of myself for my profile. So I can be enlisted into the company portal. Then told me that the company will provide me with equipment for my job and it will be delivered to my address. She told me as soon as the tracking information is ready she will let me know of the tracking number. Then she said the company will provide funds for the working materials and that I can print a check of {$100.00} for myself for sign up bonus and I can use my mobile app to deposit my check. By this time I knew I was getting scammed because no company with let you print a check to deposit into my account. Then she asked how do I want the check written. Then she asked if I was able to print the check from home I said I don't have a printer. Then asked if there is a library or staples near me. I said no because she wanted me to print the check like in a rush. Then I asked if this job is real she said yes as soon as you receive your equipment you will be on a zoom call with head department. Then later on that night I start receiving emails that my personal information is being looked into through XXXX XXXX, XXXX XXXX, XXXX, XXXX that I'm looking into this I was like XXXX. Then this morning XX/XX/XXXX I got an email from Experian credit is being looked into and this is not me doing it. I think they are trying to get as much information as they can about me. So I need help with my situation that I got myself into. Because I do not want them to hack into my bank account. Please help me!!!! I have attached the conversations during the interview yesterday Thursday.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I sent a complaint requesting that CREDIT BUREAUS reinvestigate the disputed Accounts from my credit report as well as correct these following Accounts : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$7500.00} from my report. As of this date, XXXX, Equifax and XXXX have failed to respond to my request. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

There is currently a " notification '' on my credit report due to prior fraud by ex-husband. However, it states in the alert that the entity/company looking to provide me credit has to call to verify my identity yet the Experian did not place my phone number in this notification and now has cause me harm. 

The disregard for follow through and/or auditing of this notification/message that was placed onto my credit report without clearly articulating the steps that an entity and/or company can take to contact me and the phone number of reference has caused me a missed financial mitigation opportunity and I want this resolved at once. 

Either Experian can remove this fraud notification from my report and/or can correct their error and contact the last three entity/companies whereby they have caused an application to cancel due to their error. 

I have called only to be routed to " write them ''. 
I have written them with no follow-up. 
Their only web portal is sub-par and causes a spin in the workflow and doesn't allow the consumer to clearly solve the issue at hand. The customer experience is sub-par.
Consumer complaint received 2023-03-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BERKSHIRE HILLS BANCORP, INC (CT)

For the past three years I have been trying to close two old bank accounts that were left to me by my mother one is a bank cd and the other is a savings account. I had received a letter from the XXXX XXXX that they were merging with Berkshire Bank but not knowing what it was for I threw it away then when my mother passed I found the books with both our names on them saying either or When I went to Berkshire Bank to claim the money they said they could not find the accounts For the past three years they have been giving me the runaround saying they placed the money with the XXXX of Ct of which there is no record I called the main branch but never received a call back It is a small amount but what if it were a large amount the bank must be accountable My bank XXXXXXXX XXXX  said there must be documentation somewhere of what happened to the money. thank you XXXX XXXX
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NY)

Dear Consumer Financial Protection Bureau, I am writing to dispute an item on my credit report from Comenity Bank/Victoria 's Secret. The item in question is a series of late payments that were reported on my account from the summer of last year. I am requesting that this information be removed from my credit report as it is inaccurate and has negatively affected my credit. 

During the time period in question, Comenity Bank/Victoria 's Secret experienced a system outage that impacted the ability to make online payments. This outage resulted in long wait times on their customer service line and made it impossible to make payments for the months in which the late payments occurred. I was not alone in this experience, as many other customers also experienced difficulties during this time. 

After several attempts to resolve the issue, I was able to speak with a manager at Comenity Bank/Victoria 's Secret who assured me that the late fees would be waived and that they would take back the months of reported late payments on my credit report. However, I have since discovered that this has not occurred and the inaccurate information remains on my credit report. 

The inaccurate reporting has had a significant negative impact on my credit score and has made it difficult for me to obtain credit when needed. Despite having no balance on the card currently, I would like to continue using this card once this issue has been resolved. I request that this item be removed immediately from my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX