davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (TX)

First : basic information, I complained to FDIC case # XXXX who forwarded the complaint on to the Consumer Finance Department. My complaint is against U.S. Bank Home Mortgage, address : XXXX XXXX XXXX XXXX, MN XXXX ; XXXX. 
I refinanced my VA loan XX/XX/XXXX with the understanding that I would be receiving the monies from the escrow account from U.S. Bank within 25-35 days of closing. I called the bank approximately XX/XX/XXXX to inquire about the funds. I was informed the check was mailed XX/XX/XXXX. Due to the XXXX holiday, I waited until XX/XX/XXXX to call again. I was quit upset I had not received it as this was part of the reason I had refinanced. The bank agent XXXX I talked to put in a cancellation on the check, and request to cut a new one on XX/XX/XXXX, and mail it to me. I requested the check to be delivered overnight, this was denied. 
I called back on XX/XX/XXXX. I requested to talk to a supervisor. To get to a supervisor I addressed XXXX, XXXX, then XXXX. I explained the lateness of the check, the hardship it has placed on me, and my request for either overnight or expedite mail. The response, We do not overnight checks, and this situation is not our fault. I did plea to the fact that since being an U.S. Bank customer, I was never late in payments ( I had automatic bank withdrawal ) and should the table be reversed, the bank would be charging me penalty interest and reporting me for late payment. XXXX suggested to take my issue to post office for lost mail. 
To date I still do not have monies due. Why am I held accountable for my debts and to pay on time as a single individual and yet industry is not? 
Next time can I say the check is in the mail and its not my fault?
Consumer complaint received 2021-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (NV)

To Whom This May Concern, I feel that the escrow department of US Bank is harassing me about a issue from a past encounter with not validating my insurance policy. I summitted all the required information as ask by US Bank and the escrow department took over 6 months to respond and when they did they stated they would check the information and get back to me. After several months of not having this issue resolved I filed a complaint with US Banks Customer Advocacy Department and the issue was resolved in my favor. 
Now a year later I have received a letter from the Bank stating I basically havent paid insurance for a year an I need to pay {$1600.00} dollars and my new monthly payment will increase by {$200.00}. Ive reached out to the escrow department by phone and have been told that this issue is the insurance department and when I contact the insurance department they say its the escrow department. I have again filed a complaint and have gotten no response. 
This issue is harassment and they are raising my mortgage payment and have did so for this month ( XXXX ) right at XXXX. We are on a fix income and how can this issue arise at this time if its not on propose to harass us. 
I have enclosed all the paperwork that was sent to this establishment. 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Nevada XXXX XXXX XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries appearing on my credit report, which were established without my authorization due to a recent data breach. I am invoking my rights under FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have these items promptly removed from my credit file. 
Accounts to be Blocked and Deleted : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} UNAUTHORIZED COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$71.00} Unauthorized Inquiries to be Deleted : XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am disputing the reporting inaccuracies on my credit file associated with the following account and am formally requesting an immediate review and correction, in compliance with XXXX XXXX standards and the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting Agencies : XXXX, Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax shows a balance of {$0.00}, XXXX XXXX XXXX XXXX owed. Under FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 standards, furnishers must provide consistent and accurate account information across all bureaus. This inconsistency misrepresents my creditworthiness and violates compliance protocols. 
2. Non-Uniform Reporting of Late Payments o The account shows 30-day late payment markers inconsistently across bureaus. 
These late payments are unverified, and I demand proper documentation validating these claims. FCRA 611 mandates the removal of unverifiable or inaccurate information.

3. Incorrect Comments and Status o XXXX has marked this account with a comment indicating " Dispute Resolved - Reported by Grantor, '' while XXXX lists a different comment. If the dispute is resolved, all bureaus must reflect the same status. This inconsistency violates FCRA 's accuracy requirements under 623.

4. Failure to Reflect Dispute Promptly o My previous dispute was not properly reflected across all bureaus within the mandated timeline, a direct breach of FCRA 611 ( a ), which requires that disputed information be accurately flagged during the investigation process. 
Demand for Immediate Action : I request that within 30 days of receipt of this letter, you : 1. Rectify and synchronize the account balances and late payment records across all reporting bureaus. 
2. Provide validation documentation for any reported late payments, or remove the delinquency markers if validation can not be substantiated.

3. Ensure that all comments and account statuses are consistent across XXXX, Equifax, and XXXX. 
4. Update my credit file to reflect accurate and verified information ; if unable to verify, delete this account from my report as per FCRA 611 ( a ) ( 5 ) ( A ).
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I attempted to obtain my credit reports through XXXX, and had absolutely no problems with XXXX, or XXXX. I received a message from Equifax that they were unable to supply my report, and that I would have to request it in writing. 

I completed the supplied form, included a photo copy of my SS card, Texas Drivers license and my voters registration card. Approximately two weeks later, I receive d a letter from Equifax saying that I did not provide adequate proof of Identity. Once again, I provided the same request, and identification documents and a copy of my phone bill showing my current address. It has now been more than thirty days and I have not received an answer or credit report. 

Equifax is always the most difficult company of the three, they simply do not want to deal with consumers. 

I would appreciate your assistance in receiving the report that They are required to provide by law. 

Today, I am making a THIRD request from them. This company should be REQUIRED to supply the annual credit report through the annual credit report process, and not be allowed to stall, hoping that they wont have to turn over the required information. 

Further, I believe that the questions to prove identiity should be reviewed, as they never pertain to my account.
Consumer complaint received 2021-12-10
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. (TX)

I sent disputed to XXXX, Equifax and XXXX 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 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) 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 FDCPA 809b per the FTC opinion
Consumer complaint received 2018-07-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Telerecovery Corporation (AL)

On XX/XX/XXXX I noticed that my XXXX credit score dropped by 101 points ; it was due to a new collections account from Telerecovery. I contacted telerecovery, but they refused to set up payments for the debt. I then contacted the original creditor, XXXX, and I was able to make payments directly to them. My first payment of XXXX dollars was paid on XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX as my credit report did not reflect the changes that a payment had been made. XXXX XXXX with XXXX   then sent me an updated statement showing that the amount had been deducted from my original balance. On XX/XX/XXXX a payment of XXXX was made. On XX/XX/XXXX I filed a dispute with XXXX  and XXXX regarding the inaccurate information reporting on my credit. The results of both was that the company is reporting information correctly. I contacted telerecovery directly and asked why are they not updating my record. Telerecovery stated that XXXX   had not updated the record. I asked if they could contact XXXX to update the record as this information is hurting my credit. They never contacted XXXX. I contacted XXXX and was told that the records are updated in their files. 

Telerecovery is using unfair practices such as reporting inaccurate information to have me pay more money than is owed. I am starting to rebuild my credit after filing bankruptcy and this one company is harming me. I am not able to get an apartment because although they see that my payments are on time with all other creditors, I have this collection account. All I asked before was that they update the amount owed, so that companies can see that the debt was being paid.
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (NJ)

synchrony/walmart 's credit collection agency and i came into a payment agreement where i would pay XXXX down and XXXX a month thereafter on a debt totaling XXXX. Also with payment arrangement synchrony/walmart 's debt collection agency would then remove this debt collection off of all three credit reports. i have not received the contract, i mailed them XXXX, the negative item is still on my credit reports
Consumer complaint received 2018-04-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (PA)

In XX/XX/XXXX I received a notice that I had a new collection on my credit report. Not knowing anything about it I quickly looked up the company and reached directly out to them. They said it was an attempt to collect a debt for XXXX in the amount of {$280.00}. I told them I was unaware of any debt owed XXXX and that I closed my account with them in early XX/XX/XXXX paying any outstanding balances and that the account was closed paid in full. I also said that I didn't want a {$280.00} debt to create a collection on my account so that I was willing to pay it in full to remove it from my report. They said that it would be and so I paid the debt on XX/XX/XXXX, it reflected in their system on XX/XX/XXXX as being paid in full. I then waited until XX/XX/XXXX to check my report again, in which it showed the collection still on my report. I contacted RPM once again and inquired about the collection removal from my report at which time they said that the removal hadn't been processed and to give it until the end of the month to check my report. I waited until XX/XX/XXXX and the collection was still on my report so I called back. This time they told me point blank that the collection would not be removed so I asked to talk to a manager which then lead to be being put on hold for almost an hour and then hung up on or disconnected 3 times before I was finally able to talk to an account administrator. Up talking to them I asked them to verify when the initial notification of the collection was made, they said that the letter was mailed out on XX/XX/XXXX, the collection was listed on my credit reports on XX/XX/XXXX a full 3 weeks before any attempt at notification was made. I then asked where the letter was sent to and they could only provide me with the updated address I gave them XX/XX/XXXX during the phone call in which I paid the debt. When I explained to them that the letter never arrived and that they didn't have my current address on XX/XX/XXXX when they claimed to have sent out the letter they continued to say that it was not policy to remove any derogatory information once it is posted. I then proceeded to ask about the previous phone calls in which I was instructed by their agents that the information would be removed from my report, mainly the one from XX/XX/XXXX, they confirmed that they had talked to me on the prior dates but no information from those calls was available. Had any reasonable attempt been made by RPM or XXXX to collect this debt it would have been paid before being allowed to reflect as a collection on my credit report.
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (NJ)

Was told by Santander bank to pay XXXX dollars they would wait till I get my check on 4th Wednesday as usual to pay the balance they lied repo rhe car that Friday told me I can get it back if I pay the repo and storage fee 2 they knew I couldn't afford that they wanted to auction the car off and they did that Monday and got about 10,000 sent me a letter and telling me I owe the balance they are a crooked bank taking the car so they can sell it and still get the balance from me when the car was repo it was XXXX and something left to pay how they still reporting 17 after then sold it for ab9 a XXXX and this year they tried to send to my credit report I miss a payment when the account be written off inXX/XX/2016?
Consumer complaint received 2021-12-10
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: TRANSWORLD SYSTEMS INC (NJ)

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX 1. Identity Theft YOUNOMICS Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft Chapter XXXX XXXX Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft Chapter XXXX XXXX  XXXX XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX Date of inquiry : XX/XX/2021 This is not mine. 

XXXX. Identity Theft YOUNOMICS Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2018-07-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (CT)

I received a US Bank gift card as a wedding gift The card has expiry date of XX/XX/XXXX, and prior to expiration i checked the balance only to find that US Bank charges a {$2.00} fee per month after 12 months of card issue, so nearly 80 % of card value was gone well before the card expiry date No charges were incurred on card, no transactional work incurred by US Bank, and yet they are allowed to charge {$30.00} a year on every gift card that is not in active use?? That is absurd and higher than the interest rate carry warranted given that they also have charged the prepaid card buyer already for the card. 

CFPB should fight for consumers and remove pre-paid gift card monthly inactive fees - this is predatory by industry
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hi, I keep getting different calls from debt collectors saying I owe private student loans but I thought I paid those off and now I got a letter saying my IDENTITY WAS STOLEN!

Please help me get these off my credit report.

Someone said that if they don't have the fake loan paperwork then it has to come off my credit?

Also, my dad co-signed and he is a retired XXXX veteran with a XXXX XXXX XXXX XXXX rating from the VA. We've have copies of his medical records from his VA doctor 's and i've spoken to local District Attorneys that say all loans taken out before XXXX XXXX XXXX XXXX awards are to be DISCHARGED from his credit report forever. he has no XXXX XXXX to do anything, let alone manage student loan payments. I have a copy from the Veterans Administration.

What should I do to get this resolved?

Thank you so much, XXXX
Consumer complaint received 2021-12-10
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. (CA)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2018-07-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP (PA)

I received a mailer at my home from KeyBank offering {$400.00} bonus to open a checking account and deposit {$500.00}. I opened the account and deposited {$500.00} via Keybank 's website on XX/XX/XXXX, and I entered the offer code on my mailer at that time. I have not yet received my bonus. I called and emailed and was told that the offer code was not on my account, and I needed to visit a branch to get the offer code added to my account. I visited a branch ( XXXX XXXX XXXX XXXX, XXXX, PA XXXX ) on Friday XX/XX/XXXX and the banker added the information to my account. She told me she would call me in a few days with an update. She took a copy of the mailer and my driver 's license to make sure the name matched. She also said that some of the mailers require a direct deposit to satisfy the bonus, but she noted that mine did not. I still haven't heard from her.

I followed up by online message to Keybank on Thursday XX/XX/XXXX to ask when will I receive my bonus. Under the terms of the offer, it was supposed to be within 90 days of account opening, so I should have received the bonus by XXXX. Also, If I had received the bonus then, I would not have been hit with an inactive account fee on XXXX, because the bonus would have counted as account activity. 
XXXX at KeyBank responded to my secure message on XX/XX/XXXX to say " I have reviewed your account at length and I am sorry to say that I do not see that the offer code was added to your account. Since the offer code was not on your account, you are not eligible for the offer. We are not able to add the code and make the offer available to you at this time, as the 60 day window to qualify for the offer has closed. I understand that this is not the answer you were looking for and I do apologize. It is important to know that our promotions do have strict guidelines that we must abide to. Please know that we are unable to make exceptions when qualifications for a promotion are not met, via email, chat or phone request. If you wish to see if an exception can be made on your account, it would be necessary to contact your local KeyBank branch for further assistance. '' This seems blatantly unfair. I received an offer in the mail, I complied with the terms of the offer, and now KeyBank is refusing to honor it, claiming that " you are not eligible fro the offer. '' It's not my fault if their website doesn't work. I wonder how many other consumers received mailers like me and are now having to fight to get the bonus they were promised. 
I have been paying monthly fees to have this checking account, which I never would have opened if not for this bonus offer.
Consumer complaint received 2018-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (DE)

I have tried repeatedly to close my account with Chase ( XXXX XXXX Visa Card No XXXX XXXX XXXX XXXX ) since XX/XX/2018 because I no longer want to pay the annual fee of {$95.00}. I complained earlier on XX/XX/2018 to CPFB ( see complaint no. XXXX ) after which a Chase representative called me and assured me the account would be closed and no further delinquent dues will show on my on line statement. This is not the case because my latest ( XX/XX/2018 ) statement ( see attached ) continues to show the annual membership fee of {$95.00} as being overdue and in addition anew late fee of {$15.00} has appeared, despite the account being closed. I am now truly concerned that this errant behavior by Chase will cause my credit rating to be adversely impacted.