davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

A bi-weekly payment plan was initiated for my mortgage with Bank of America. I was told that when the amount of a full payment was received it would be applied to my account on the date received. In review of my account all funds would sit as a " available balance '' until XX/XX/XXXX and then be applied. I have been over charged for interest on my loan and my payments have not been applied properly. In addition my mortgage account was paid XXXX full month in advance prior to entering the biweekly payment plan. I will use XX/XX/XXXX as an example : ( Please note that no payment is due on my account until XX/XX/XXXX in this example because i have already payed in advance ) XXXX/XXXX/XXXX first biweekly draft in XX/XX/XXXX occurs XXXX/XXXX/XXXX second biweekly draft occurs. On this date the full mortgage payment is available and in the banks possession. 
XXXX/XXXX/XXXX a third biweekly payment is deducted from my checking account XXXX/XXXX/XXXX funds are applied to the account with a posting date of XXXX/XXXX/XXXX Every month my payments sit as an available balance and do not get applied until the next month.
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

On XXXX, I opened a Citibank account specifically to receive federal student loan funds from XXXX XXXX XXXX XXXX XXXX XXXX deposits were made : on XXXX, XXXX, and XXXX, totaling approximately {$10000.00}. These funds were designated for essential educational expenses, including tuition, books, and living costs for the current semester. 

On XXXX, Citibank unexpectedly froze my account, citing an inability to verify the source of the deposits and classifying them as potentially fraudulent. In response, I promptly submitted all requested documentation, including proof of a legal name change, government-issued identification, my current lease, and a letter from my University confirming XXXX legitimacy of the federal student loan deposits. I contacted Citibanks XXXX XXXX XXXX by phone and email, requesting a case number and immediate assistance to resolve the matter. 

Despite complying fully with Citibanks requests and verifying the legitimacy of the funds, the bank informed me that the account could remain frozen for up to 60 days. This prolonged freeze has caused significant financial and emotional hardship, as these funds are critical for my current semester expenses. Citibanks refusal to release the funds is obstructing my ability to pay for tuition and other necessary expenses, forcing me to consider taking on additional debt. 

I am requesting that Citibank release the funds immediately to prevent further financial harm and disruption to my education.
Consumer complaint received 2024-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (NV)

On or about XX/XX/XXXX, I sold my home and closed my mortgage loan with Wells Fargo. 
I expressly requested that Wells Fargo remove my personal information from their records, specifically my social security number. 
I contacted Wells Fargo on XX/XX/XXXX regarding documents from my mortgage and Wells Fargo asked me to provide my SSN for verification. Even after my request to remove this information from their records. 
I contacted Wells Fargo again on XX/XX/XXXX and again Well Fargo asked for the private information that I requested removal from their records. 
I spoke with XXXX and XXXX XXXX and both asked for my SSN that was supposed to be removed long ago
Consumer complaint received 2024-08-08
Product: Credit reporting 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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Recently looking over my credit report, I noticed these fraudulent inquiries on my report. I do not recognize nor acknowledge these inquires and kindly asked for them to be removed.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Im writing to urgently address the serious damage being done to my credit score due to unauthorized and unverified information on my report. These inaccuracies are completely unjust and are having a devastating impact on my financial life, preventing me from accessing credit and opportunities that I should easily qualify for.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

HI- I checked my credit for the first time and noticed unathorized inquiries in my report that i have never applied for this was not me please help in removing inaccuarete items on my report that dont belong to me XXXX XXXX XXXX SEE ATTACHED. XX/XX/year>
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing my credit report, I noticed inaccurate information that should be removed. The bureau refused to complete a thorough investigation into the matters instead. These inaccuracies are causing great stress and negatively affecting my financial standing. 

I am deeply upset about the erroneous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately, it must be removed. I hope you find out whats going on and who the inaccurate information belongs to. Can you please clear this up quickly? It is my understanding that you will do an investigation immediately, a new credit report that reflects the updated changes should be sent. You must complete this investigation within 30 days of receipt of this letter. According to the law, unverifiable, inaccurate accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 
Thanks for your help in this matter. 
XXXX XXXX XXXX XXXX - This is completely inaccurate. - This is inaccurately reporting on my report. 
XXXX - XXXX - This is also completely inaccurate. - This is inaccurately reporting on my report. 
US DEPT OF EDXXXX - XXXX - I believe this is reporting inaccurately - verify that this belongs to me. - This account is reporting incorrectly. 
XXXX XXXX  XXXX XXXX - This is completely inaccurate. - This is inaccurately reporting on my report. 
XXXX XXXX XXXX XXXX - This is also completely inaccurate. - This is inaccurately reporting on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - This is also completely inaccurate. - This is inaccurately reporting on my report. 
XXXX, XXXX - XXXX - This is also completely inaccurate. - This is inaccurately reporting on my report. 
XXXX XXXX XXXX - XXXX - Verify this belongs to me. - This is paid as agreed and should not be reporting negatively on my report. 
XXXX XXXX XXXX XXXX  XXXX - 15 U.S CODE 1692 ( e ) 10 - Please verify the open date on this collection. I do not recall this - please verify this and remove it if it is in fact inaccurate. 
XXXX XXXX XXXX XXXX XXXX - 15 U.S CODE 1681 ( o ) - Please verify the open date on this collection. I do not recall this - please verify this and remove it if it is in fact inaccurate.
Consumer complaint received 2024-08-27
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. (MA)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2023-04-26
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Point Digital Finance, Inc. (PA)

On XX/XX/XXXX I enetered into an agreement with Point.com for a second mortgage which was supposed to be based on future equity. 
The original loan amount was for XXXX. The loan was based on an appraisal that was for XXXX and I would be able to payoff loan in 10 years or less. 
In XXXX of XXXX I again got appraised for a value of XXXX which I thought would the mean I owed this company 67 % of the difference in the apparaised value plus the original loan meaning I owed them XXXX. 
When I spoke to them they said that the total owed at the time was over XXXX and now to date it is over XXXX. 
I have consulted an attorney and they have looked at this as predatory lending. 
I have discussed with them at length and they do not accept appraisals except for the numbers they use that they say are national averages. 
If this continues they will eventually be able to charge me double the loan amount in % years.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: U.S. BANCORP (PA)

in XXXX we asked our bank to skip a payment and add it to the back of the loan. We were told me could and there would be no penalties and there was no talk of effecting our credit. We went forward making payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX  just to bring the account current due to it stating we were behind 5 payments by 30 plus days. Al though we were making payments they were not being applied. We never signed any paper work saying this would happen.
Consumer complaint received 2024-09-12
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 : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX. 
This CFB Complant has been filed Pursuant 15 U.S. Code 1681a ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Trans Union has been identified as a Person under this section as they are a cooperation. 

They have Violated Section ( 2 ) of this code as the consumer report does not include truncation or experiences between the consumer and person ( Trans Union ) making the report by Reporting Late Pay Transactions in Violation of this Code : XXXX XXXX XXXX XXXX Late Pay transactions reported XXXX XXXX XXXX XXXX XXXX Late Pay transactions reported XXXX XXXX XXXX XXXX LATE PAY TRANSACTIONS REPORTED XXXX XXXX XXXX XXXX LATE PAY TRANSACTIONS REPORTED PURSUANT TO YOU ARE Liable to pay {$1000.00} to me per violation You have a total of 46 violation of {$46000.00} Remedy for violations I am demanding that you remove these illegal Late pay transactions off my credit immediately Please email me a XXXX XXXX
Consumer complaint received 2024-10-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NY)

I opened a Venmo account back in XXXX and they placed a freeze on my account I provided the requested documents to them. Then they decided to suspend my account and close it when I had a balance in the account. They told me I had to wait up to 180 days for the funds to be available couple days ago I got a email stating that my funds are now available to withdrawal via bank transfer only. I go to add the bank account information and it gives me a error and when I try to add it then I reached out to venmo support who then tells me that the account is once again frozen and want me to upload my id and proof of ownership of my bank account and i did. And now I am getting excuse after excuse and I just want to withdrawal my funds that they made available for me to withdrawal. I have called and got told fifteen times that is has been escalated to another team that I can not speak to. I just want the freeze to be lifted so that I can transfer my funds to my bank and be done with Venmo for good. They don't seem to want to do anything with this issue and it has come to this for me to file a complaint against them.
Consumer complaint received 2024-09-12
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. (OH)

I seen accounts on my credit profile and it is a violation of my rights FCRA 605B ( 15 U.S.C. 1681c-2 ) You also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.

I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} 4 Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} XXXX Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely PLEASE DELETE THIS ACCOUNT IMMEDIATELY
Consumer complaint received 2015-04-30
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

My husband and I contacted USAA on XXXX/XXXX/XX/XX/2015 to apply for a VA Mortgage Loan. After a series of long hold and providing information to the representative. We were advised that we were not approved at this time for a mortgage loan and that we would receive a letter in the mail to explain, in detail, why we were not approved. After a week had gone by, I contacted the company to find out if the letter had been sent, they advised " system had not generated the letter yet ''. Again after 3 weeks, I still had not received a letter and I contacted the company to find out why. I asked to speak to a manager and the representative proceeded to advised me that she could help and that we were not approved because my husband 's credit score was below XXXX. I do believe discussing credit scores and denial reasons over the phone is a violation. I still have yet to receive a letter of explanation even though it has been well over a month since applying for the loan.
Consumer complaint received 2024-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WASHINGTON FEDERAL BANK (CA)

I have had no stop issues with this bank. They absorbed my loan when they took over XXXX XXXX XXXX, i tried to make my first payment, i had to set up bank to bank transfer through Wafd, they kept telling me it would be set up, i had to keep calling and speak to multiple managers. I called to ask how to pay on principle, i was instructed on just make another payment and put apply to principle on the note, i did and they just made the next months payment with it. Now they have put some for admin charge on my account for XXXX no notice, no call, i called, the representative told me, " i have no idea why you have this charge from us '' I sent an email to XXXX XXXX XXXX XXXX Chief Audit XXXX at WaFd Bank XXXX Hi, What is going on with the WaFD process for setting up an external account? 



Situation : Very poor customer service and broken workflows. 





Background : I was a XXXX XXXX XXXX  customer now that banking system was absorbed by WaFD. 





XXXX : I have been contacting WaFD about setting up external bank ( XXXX XXXX ) so I can pay my mortgage. This is how I set it up with XXXX XXXX XXXX. I started this process the 3rd week for XXXX. Initially I was told I would be receiving an email that will link me to a pathway to send my bank statement. XXXX week goes by and I receive no such email. I call again, the WaFD agent says he doesnt know why it is taking so long. I ask him to escalate to his supervisor. I was told I would be contacted. No XXXX contacts me. I call again, speak to a different agent. She advises me to give it 3-4 days. I did, no email, I call again and ask for a supervisor, the supervisor tells me he will call the department and I do not need to be worried there will be no late charge. I get the email a week later and send the documents on XX/XX/year>. It is XX/XX/year>, still no external account. I called today, the agent told me, they just now see my request and I need to wait until Friday because its a 5 day turn around. 







It was sent XX/XX/year> : why now do I need to wait an additional 4 days? 





Recommendation : This entire pathway for new customers like me needs to be updated and clear to your WaFD employees. I can not believe the amount of time I had to waste to get to each step only to be made false promises and guarantees each step of the way. 



In writing this I would like you to answer the following : What is your process for new customers who need an external account set up through online banking? 
Was this process followed in my case? If not, what corrective actions will come out of reporting this? 
Who can ensure my external account will be set up, so I dont make a late mortgage payment? 


Thank you ''
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am reaching out for your help with this incorrect account appearing on my credit report. Ive raised this matter because its been damaging my reputation, and I need your assistance. The mishandling of my credit report has left me in a difficult situation, as this inaccurate information has damaged my reputation. Please correct these mistakes so I can live peacefully with my family.
Consumer complaint received 2024-09-12
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. (CA)

These hard injuries below need to be removed from my credit report immediately due to identity theft XXXX XXXX XXXX- on XXXX as well as all the soft injuries ran by XXXX without my permission and I demand a XXXX refund for the XXXX app i have been asking over and over again